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When to Call Home Builders After A Natural Disaster

When to Call Home Builders After A Natural Disaster

November 7, 2019 By Dotcom Design

Natural disasters are devastating when they impact home and may leave you breathless with fear and anxiety. Thankfully, the best home builders Coralville, Tiffin, North Liberty, and Iowa City, Iowa have to offer can get you back on your feet again with their skilled craftsmanship. Make sure that you follow the steps in this process to ensure that you get the help that you need in this tough situation.

Talk to Local Government Agencies First

The moment a disaster strikes and destroys your home, you need to visit local governmental agencies right away to figure out what to do. They can help you understand the process of junk removal, who you can contact to help with that step, and for anything else that you need to do to get your home ready to be rebuilt. They can also provide you with detailed rules and regulations on this process.

For example, most state and local governments put restrictions on home builders in disaster zones. These restrictions are designed not to limit their capabilities but to ensure that they don’t take advantage of people in tough situations. While most builders will follow these rules without complaint, there are always those people who will try to hurt others to gain a personal advantage.

You may also want to talk to federal officials during this process, as you are likely to see federal recovery agents for quite some time if a disaster was widespread. These individuals can help you assess the spread of your damage and provide help when you need it. They may be overworked if the situation is prevalent, so make sure you understand their limitations in this part of the process.

Apply for Assistance If Necessary

After you talk to the government about what needs to be done, it is time to start applying for assistance to rebuild your home. If you need some time to recover from this disaster, take all that you need. However, don’t delay too long because other individuals will be applying for rebuilding assistance that may be limited and which may run out before you get a chance to ask for it.

For example, the government often provides grants and sometimes even loans to people who experience home loss in a disaster. This type of help often includes no-interest loans or gifts that people can use to recover. Usually, this money is limited and arrives on a first-come-first-serve basis. So you need to apply for it as soon as you can to ensure that you get access to some help.

If you have homeowner insurance, though, much of your recovery will be handled by them. These policies will help you find a place to live temporarily and pay for the reconstruction of your home. Typically, they pay for a home of the same value as the one that you lost. Make sure, though, that you have natural disaster coverage on your policy, as some may not. Now, it’s time to talk to home builders.

Talk to Contractors

High-quality contractors can help to rebuild your home and will work with your insurance or other types of assistance to get you back on your feet. However, many fly-by-night contractors often chase down disasters and try to take advantage of people in a tough situation. As a result, it is critical to seek out professionals who have your best interests in mind before you begin the building process.

Make sure that you don’t work with a contractor who wants you to pay for the whole job before they start. Most states prohibit this type of payment scheme in disaster areas. They consider it a form of extortion and will punish builders who behave in this way. Make sure, as well, that you contact home builders who have experience with disaster relief and who will remove the debris from the area.

This debris removal may be one of the hardest parts of the home recovery process. You’re likely going to see items that once belonged to you that are now ruined. Family pictures and more may show up and give your heart a significant pain. As a result, you need to work with your builders here, including visiting the site before rebuilding, to check for any items that you may want to save or add to your new home.

Rebuilding Your Home

Once you have found home builders who you can trust to craft your home, it is time to get started. First of all, you should know that many states don’t impose a sales tax or other types of taxes on residential construction projects in a declared disaster area. If you find that your builder wants to ask for this type of charge, talk to your local governmental authorities to see if this is right or wrong.

Next, it is essential to find a place to stay while your builders create your home. Your insurance should cover temporary lodging options for you in this situation. Find a place that is comfortable for you and your family, such as a hotel, and stay there during the rebuilding process. Visit the site regularly to see how things are going and take care of your family and your career from the hotel.

Once your home is done, make sure to walk through it with your family and the builders to get a feel for its new design. While you might want to recreate your old home plan, you may also want to take advantage of the recovery money from your home insurance to craft a home that is a little different. The decision is ultimately yours. Now, start buying new furniture and appliances to make your home yours again.

Don’t Let a Disaster Hold You Back

So if you have experienced the unspeakable tragedy of losing your home or part of it to a natural disaster and need the best home builders Coralville, Tiffin, North Liberty, and Iowa City, Iowa has to offer, please contact us at Mike Roberts Construction today. We have seen many natural disasters over the years, and we know how to help you recover your lost home as quickly as possible.

Call 319-631-5058