Bluegrass Times

Kentucky is grappling with the aftermath of severe weather events that left four people dead, according to Governor Andy Beshear. The governor had declared a state of emergency prior to the storm's impact, and a subsequent emergency disaster declaration from President Donald Trump was granted.

Residents whose homes or businesses were affected by the storms need to observe several key steps. It is important to contact financial institutions such as insurance companies, mortgage lenders, and utility providers to inform them of circumstances and explore any available hardship programs. Insurance claims should be filed promptly with complete and accurate information. "Document the damage by taking photos or video," and keep in mind to conduct only temporary repairs until an inspection is completed and costs are agreed upon.

When hiring contractors for repair work, caution is advised. Be wary of contractors engaging in "door-to-door sales" and high-pressure tactics. Do not make full upfront payments and ensure that all agreements are documented in written contracts.

For vehicles damaged by flooding, a professional inspection is recommended. In cases of replacement, residents should ensure they are purchasing from licensed sellers and have vehicles independently inspected.

Scams are prevalent in post-disaster situations. Beware of "upfront fees for applying for aid, loans, or services," imposters, and fraud involving charities or businesses with similar names to known organizations. Residents should also report instances of price gouging to the state attorney general’s office if they notice sudden price surges on essentials.

Governor Beshear's message to the state emphasizes careful navigation through recovery processes to mitigate further personal and financial loss and to protect against fraud and unscrupulous practices.