How to recover from a disaster

No one expects to have a disaster occur in his/her life. We rush around trying to just get the normal things done – work, taking care of the family, keeping the house in order, etc. Who has time for a disaster that throws all of this stuff into disarray and disorder? And who knows what to do when something seriously bad happens? How do people successfully recover from an unexpected disaster so that they can get back to living out their real and “normal” lives?

I will make a short list that was given to me by a Texas Public Adjuster who handles a lot of different disaster insurance claims to see how recovery can happen. (This Public Adjuster works mainly with fire damage claims and has a lot of experience walking people through disasters.) So what do you do to recover from a disaster?

  1. Stay calm – Yes, whatever disaster has befallen you has overturned your world. But it’s not going to help if you freak out about it. Don’t focus on what you have lost, but keep your head about you and consider calmly how to move towards regaining those things.
  2. Set up an orderly plan – With all of your wits about you, take out a few pieces of paper and write out what you need to do. Make it a step-by-step document of the things that you can control in the process of recovery. This way you will know what you need others to do for you.
  3. File an insurance claim – Get this ball rolling as fast as you can so that your insurance company can get their appraisal process going quickly. The quicker they get this done, the faster you can begin restocking your home or business with new things to replace the old.
  4. Consider hiring a public adjuster – Public Adjusters work as advocates for those who are dealing with their insurance company. They tend to get you a much better settlement than you would if you did it alone.
  5. Keep all of your receipts – A lot of people who have to temporarily re-locate don’t think that insurance companies will cover such expenses. But they will in most cases. So keep up with what you have to spend to survive the aftermath of the disaster.

Well, that’s all I have for you today. I’m interested to hear what other ideas that you all might have concerning recovery from a disaster. Please comment. Thanks in advance.