to help saw call for action consumer advocate shirley rooker who has been helping consumers in the area for decades now and she's going to help you now. >> but i'm not coming out with a chainsaw. >> no. no. no. thank you. thank you thank you. all right let's talk about first what you should do if you've got a leaky roof. we have some bullet points to put up on the screen. identify the source, we need to check our gutters and then contact the insurance agent. >> yes, you need to know the source first to know where the problem is. you probably won't be able to identify the source because we won't go up on the roof toshiba the problem is. but you can get binoculars and to up to their freak -- go to your neighbors and go up to the roof and see what you can see. if you're going to hire somebody to do the roof check them out. check the facts, they have license, that they're licensed to do business. they should have insurance. all of those good consumer advocate tips. and by the way, we put a lot of these tips up at wusa9.com. so people can fill in the blanks from the website. >> you check you

and i want to welcome back call for action advocate shirley rooker and shirley let's talk about some of the questions that you anticipate receiving this evening. >> it's going to be floods, trees falling on houses, falling on cars, who's responsible. who pays for it. >> okay so a lot of questions and you all have prepared to answer those. what are the first things you say homeowners should have after this kind of event is an insurance checklist and let's put that up on the screen and we can talk about it just a bit. the first thing you say people need to do is assess the damage at their homes? they need to fully read their contract and then call the agent. why in that order? >> well, basifiers off if you don't know what the damages are what are you going to say to the agent? if you don't know what's in your contract what are you going to say to the agent? if you can go outside make a list and see what's been damaged if you can figure it out yourself, fine. check that contract. because it may or may not be covered you may not even -- you may save yourself a call. but then by all means