The Band Wagon

Sometimes, there isn’t enough room for all of your belongings – and arranging storage, on top of moving can be a blessing in disguise – or a nightmare. So you need another, convenient, cheap option for your furniture.

Storage companies are basically large warehouses or lockups that you can rent – and range in size from a box room to an area large enough to store a complete house.

Storage is great if you’re needing to move out of one house before your other house is ready – or when you’ve sold your old house but haven’t finished arranging the new one. It saves the you having to work out what to do with your things.

It’s also a good idea when you have too much furniture for your new house, and no where to store it yourself – and while garages and basements are great for short term storage, they aren’t protected, in some cases against the elements, nor, possibly insured against accidents, such as fires or flood. Garages and basements also, while accessible, may also need to be used for other things.

It is possible for your belongings to be damaged in storage, but highly unlikely – you’ll be given a list of belongings that you’re checking in – and you should check at that time that everything is secure, sealed and stacked or placed well.

If you’re moving long distance, its always good to research, throughly, by phone and if possible, in person, how much access you’ll have to your furniture, and belongings, and what sort of notice you need to give – you’ll also need to work out what is going into storage and how much space you’ll need for it all.

If you’re unsure of storage companies, and you’re using a removal company – ask them – they may have a group of storage companies they deal with, and offer you a better premium than you may otherwise get. It also means that you’ve got less research to deal with.

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A flood can be a homeowner’s worst nightmare, especially if it engulfs almost the entire house like many of the homes that were made uninhabitable by Hurricane Katrina a few years ago. In case you ever have to face this catastrophe, here are a few tips on how to deal with it and file the insurance claim. Depending on the amount of water damage to your home, it may be salvageable and it may not, but the first step is getting your claim filed.

The first thing you should do after the water has been cleared from your home, call your insurance agent or company as soon as you can. If you can, have your name, policy number, and a phone number or e-mail address that you can be reached at handy when you call. This will speed up the process more than you think.

When you’re filing your claim, request a time frame for when your adjuster will be sent to your home. Try to be patient, especially if you live in an area that has withstood extensive damage due to a river flowing over its banks or a dam that has burst. The water damage to your home depends upon just how high the water rose in and around it.

Once the adjuster has become available and is able to reach you and your home, he or she will help you determine just how much they are willing and able to compensate you for the loss of your property and help determine just how extensive the water damage is.

If your contact information changes in any way, let your insurance adjuster know as soon as possible. If you’re in a shelter of some kind or staying with a relative or friend, give your adjuster the name of someone who has the ability to reach you. If you can’t get home, it’s best to make a list of as many items as you can think of that may need to be replaced or repaired in your home. Computers, television sets, clothing, expensive electronic equipment, books, and etcetera should be listed here. List anything of value that could have been water damaged or lost.

If you can return home, you should separate the damaged items from the undamaged items and take pictures of your property to give the adjuster a good idea of the kind of loss you have endured.

Even if this event has never happened to you or if you’re not expecting any water damage like this to your home any time soon (and who really is), one of the best things that you can do for your home is to take a video every year of your home and its contents. Put this video in a waterproof (and fireproof) safe in case the unthinkable ever happens.

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