You 可以't control the weather. 但你 可以 control how ready you are to face it.
We recently sat down with Caprice Cline, owner and CEO of 柏树屋面，讨论保护你的家免受bat365中文版游戏下载危害的实际方法. 在这次聊天中, Caprice回答了观众的问题，并提供了如何在bat365中文版游戏下载来袭前后最好地准备房屋的内部建议.
观看完整的Q&A video below or keep scrolling to read the condensed version.
What are some ways to prepare for future hurri可以es and tropical storms?
The thing we saw the most after Hurri可以e Ida was the damage trees caused. I encourage everyone: go outside and look at your trees. If you think that they're rotted, have a tree service come out and assess it.
My second recommendation is to read your insurance policy. 了解它将包括什么和不包括什么-但主要是，看看你的免赔额.
我们还鼓励房主从各个角度在他们的房子周围走动并拍照. 拍下所有栅栏和外部结构的照片，然后回到家里做同样的事情. 挨个房间找，因为, if you do have to file a claim, those pictures are going to be like gold to your adjuster.
最后, have a list of contractors that you trust, so that if you have an emergency, you know how you 可以 reach them right away so they 可以 help you.
What is your #1 tip for weathering a storm?
Follow the instructions of our governor and newscasters. 当他们告诉我们撤离时，我们考虑了很多. I know a lot of people don't like to evacuate. 我知道这很贵，但是，天哪——如果他们让我们这么做，我们就得这么做. 你应该决定留下来吗, 确保你有药, 食物, 水, those types of things stocked and ready to go.
What is the best brand of generator to purchase?
bat365中文版游戏下载“艾达”过后，我们在社区里每天搭帐篷16个小时，持续了将近四周. 我们看到的最好的发电机是可以通过燃气管道连接到家里的. 那些似乎是最好的，因为一旦停电，那些就会立即接通.
We also saw a lot of portable gas generators. 这样做的缺点是，有时在暴风雨后很难获得天然气.
相关文章: 4 questions to ask before buying a backup generator
When should I file an insurance claim for my roof?
What we hear the most is, "Well, I don't want to file right now. I want to wait until after a hurri可以e." That is exactly the opposite of what you should do. 让我给你解释一下. 有一种叫做"bat365中文版游戏下载免赔额"或"命名风暴免赔额". 当一场风暴袭击我们路易斯安那州的海岸时，它就被命名为风暴——不管是不是bat365中文版游戏下载, your deductible usually will go from your normal $500 to $1,000 to a hurri可以e deductible which is 2% to 5% of your home's value. So if I have a $300,000 home, 2% of that is now a $6,000 deductible. 5% of that is now a $15,000 deductible. 现在，我怎样才能得到一份在bat365中文版游戏下载来袭时不会改变的免赔额呢? 嗯，我可能得多花点钱买保险，但这是值得的. 所以，阅读你的政策. Have us out there before the storm because that's so, so very important.
When is the right time to call a roofing professional?
Do not wait until after a storm. We will do a free inspection. We will get up on your roof and tell you if you have pre-existing damage. 我们发现，许多房主的屋顶已经有七年以上的历史了，因为以前的暴风雨已经损坏了, 冰雹风暴, 诸如此类的事情. If we 可以 find damage prior to the hurri可以e, that is when you want to file.
Once you've made your assessment and are ready to move forward, should you file a claim at that point? Or am I required to pay out of pocket?
这要视情况而定. If you have visible damage on your roof or 水 coming into your home, you should call the insurance company immediately and file a claim. 你提交的越快，理算员就能越快到达你家，这是关键.
人们告诉我，“我看到有几片瓦片不见了，但我不知道是否需要提出索赔." If you don't have any 水 coming in, 让我们把你加入我们的检查名单，一旦我们解决了这些紧急情况, 我们会免费出来，对你是否应该提出索赔给出我们诚实的评估. Because you don't want to file a claim if you shouldn't. You want to make sure there's enough damage to warrant a claim. 这是像赛普拉斯这样的屋顶专业人士可以告诉你的.
Let me explain the insurance process. 客户或房主唯一要支付的钱就是他们的免赔额. 这就是为什么你的免赔额如此重要，为什么你知道它是什么很重要. So, whether your claim is going to be a $10,000美元索赔或100美元索赔,000索赔, your deductible remains the same. 如果你有1美元,000 deductible, it's $1,000. Kind of like health insurance. 如果你有1美元,000 deductible on your health insurance, that means you pay the first thousand, then the health insurance picks it up. It's the same with your homeowner's insurance.
如果你看过保险单, 它告诉你，作为房主，你必须减轻进一步的损害. 这就意味着如果你家里进水了，你就得找人来铺防水布. 你不能让它不断涌入，然后指望保险公司说没关系. But if you have to get it tarped, 不管你付了多少钱, your insurance company will reimburse you. You just have to keep the receipt. 好吧? So, that's the first thing I would say, is mitigate against further damage because they will reimburse you.
然后提出索赔. If you know you have enough damage, file the claim right away. When the adjuster comes out, if you filed it yourself, if you're using 柏树屋面，我们会出来的. You just have to let us know when the adjuster's coming. We'll meet the adjuster at your home. We will get on the roof with them. We do all of this at no charge. 我们和他们一起上屋顶. We help them to assess the damage, ensure that they see everything. 和, 然后在这一点上, 你通常需要一到两周的时间来了解他们将要报道的内容. They normally send you what's called an insurance breakdown. 这将给你一个清单，列出他们将涵盖的所有内容，以及他们将为此支付的确切金额.
What happens is most insurance companies will pay you in a two check process. 他们会先给你大约一半的预付款，这通常足够我们开始工作了. 但是，你猜怎么着? 当他们寄给你支票时，如果你有抵押贷款，猜猜谁也在那张支票上? It's you and your 抵押贷款 company. 所以你必须把支票寄给你的抵押贷款公司，让他们签字. We overnight that check for free to speed up that process. Then when the check comes back, we 可以 get you on the schedule. 在这一点上, 一旦屋顶完工, 然后，我们向保险公司提交所有必要的文件，以便他们发放最后一笔付款.
You hear so much about 30-year roofs. 这是怎么做到的?
There's no such thing as a 30-year roof. 虽然我希望有.
How about 30-year warranties?
A 30-year warranty means you have a warranty against manufacturer defects. 就是这样. It's only if when they were manufacturing that shingle, that they 可以 find there was a defect in the manufacturing. 这与它能在你的屋顶上停留多久或诸如此类的事情无关. 在路易斯安那州, 因为高温和潮湿, 如果没有大风暴或类似的事情，一个三层屋顶可能会持续7到10年. 建筑屋顶，我会说10到15年仅仅因为热，湿度和风暴.
你能分享一下路易斯安那州的保险公司去年在bat365中文版游戏下载艾达的影响下所面临的挑战吗?
不幸的是, 在过去的几周里，路易斯安那州有大约10家保险公司申请破产. 也就是说我们有成千上万的房主没有保险.
如果你正在寻找保险，你要做的第一件事就是打电话给你的代理人. 您的代理人将能够搜索并查看是否有其他公司可以为您撰写保单. 如果他们找不到公司，我们路易斯安那州的人就叫做路易斯安那公民. 所以，当你找不到保险时，路易斯安那州的公民必须为你写保险单.
关于路易斯安那公民的一些事情-这是最后的保险手段, 因为这是州规定的. It's going to be more costly. In fact, it's going to be 10% more than the highest available rate. But at least you'll be able to get insurance. They are a nonprofit and they were created just for this type of situation.
By making financial preparations now, you 可以 focus more on you and your family's safety when a storm hits. 学习如何做到 hurri可以e-proof your finances.
