Post Storm Cleanup: Insurance, City Seeks Federal Aid

San Angelo - TX - *City Press Release

The San Angelo-Tom Green County Emergency Management office continues to gather information about storm damage as it seeks to have Friday’s thunderstorms declared a local disaster. Photos of damage can be emailed to damage@cosatx.us.

Once a local disaster is declared, the State of Texas can, on behalf of San Angelo and Tom Green County, request from the Federal Emergency Management Agency (FEMA) that low-interest loans be made to individuals and businesses to assist with paying the non-insured portion of repairs that have been completed. FEMA does not pay directly to service providers.

To qualify for the loans, the repairs must be completed, and there must be photographic documentation of the damage, three estimates of repairs, and receipts for all work done. Loans will not be given for work that is not completed. Those who have suffered storm damage are urged to document every step of the repair process.

The Texas Department of Insurance offers these tips to homeowners to protect themselves from contractor scams:

· Get written estimates on company letterhead with clear contact info.

· Get more than one bid to determine which offers are legitimate, too high or too good to be true.

· Use local companies after checking references and phone numbers.

· Don’t pay up front. Good contractors typically require a partial payment up front and final payment once the job is done.

Storm Recovery Tips from Allstate:

 *         Make Temporary Repairs: Make reasonable temporary repairs to prevent further damage. Save the receipts for temporary home repairs as these expenses may be reimbursed as part of your homeowner's policy. Your adjuster will need this information.

*         Document Damages: Inventory your home and list damaged items before your adjuster arrives.  An inventory can help facilitate the claim process after a disaster.

*         Research Contractors:  Work only with licensed, bonded and insured contractors and have them provide you with documentation. Check with your local Better Business Bureau to see if any complaints have been filed against contractors you are considering.


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