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Make an Inventory
Make an inventory of lost items and prepare a description for your insurance carrier. Take photos and prepare descriptive lists. You cannot provide too much detail. Looking at something and calling it a "total loss" is not very effective when negotiating with insurance adjusters and contractors. In the aftermath of a disaster, it is difficult to recall what you had. Use your original checklists and inventories for reference. Most importantly—you have to prove your losses. Note which items you think can be restored, what needs to be replaced and what will have to be discarded.
Contact your agent as soon as practicable. Have your policy number readily available. Make a reasonable guess about how long you will be unable to practice at your current location. If you will be temporarily working from another site, they will require that information. Provide the agent with any changes that might be applicable. Determine what assistance you can expect from your carrier, and when. It is not unreasonable to ask for specific dates, but you will be waiting in line with others. It may take weeks before an adjuster can be on site.
Contact your District Dental Association representative. You should be able to find this number where you entered it in your Disaster Preparedness Plan.
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| Warning |
- The U.S. Consumer Product Safety Commission warns hurricane victims that all gas control valves, electric circuit breakers, fuses, and electrical outlets—including ground fault circuit interrupters (GFIs)—MUST be replaced if they have been under water.
- Gas control valves on furnaces, water heaters and other gas-fueled appliances MUST be replaced.
- A qualified technician should inspect appliances, such as fans, motors, microwaves and venting systems.
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