Insurance and Severe Weather: What to do before, during, and after

LEWISBURG, WV (WVNS) — High winds, hail, flooding, all of these types of severe weather happen in West Virginia.

Most people have their homes, cars, and personal property insured if something happens to them.

But what is the process?

Rasman Walker, a State Farm Agent in Lewisburg, started with advice on what you need to do before a severe weather emergency ever occurs.

“Well, I think it’s different. When someone walks in here and they need coverage, I’m gonna sit them down and see what they want covered and why they want coverage and then I’m gonna walk through it step-by-step and make sure that the policy is tailormade for them because every person is different, every policy can be different, too,” said Walker.

Homeowners insurance typically will cover damage done by high winds or hail, but flood insurance is an add-on.

If you’re in an area at risk of flooding, it’s one type of insurance that could really help when severe weather hits.

Emergency Management Director provides severe weather tips

Should you be doing anything to save your possessions during that severe weather though?

Walker said the best thing is to stay safe.

“I would want to say just please be safe out there in this stuff. Don’t go out there and think you’re gonna save something because it’s windy. Just remember those are materialistic things that can be replaced,” said Walker.

Finally, what should you do after the weather has cleared and you’re left with a damaged home or car?

Walker said there are two things to take care of.

“Take pictures of the damage, and get ahold of your agent as soon as possible to get the claims process started,” said Walker.

For the latest news, weather, sports, and streaming video, head to WVNS.