Dealing with storm damage to your home can be overwhelming, but knowing how to file an insurance claim can help ease the process. In this guide, we’ll walk you through six simple steps to help you navigate filing a storm damage insurance claim and get the coverage you need to repair or replace your property.
Inside this blog:
- 6 key steps for filing a storm damage insurance claim
- Helpful tips under each of the key steps
Keep reading to learn all you need to know about storm damage insurance claims and how to ensure you file yours correctly!
Step 1: Check Out the Damage
The first step in filing a storm damage insurance claim is to assess the damage to your property. Take a thorough look around your home, both inside and out, and note any visible signs of damage caused by the storm. This may include damage to your roof, siding, windows, and landscaping. It’s essential to document the damage with photos or videos to provide evidence for your claim.
- Take photos or videos of the damage from multiple angles.
- Note any structural damage or hazards that need immediate attention.
- Keep records of any temporary repairs you make to prevent further damage.
Step 2: Get in Touch With Your Insurance Company
Once you’ve assessed the damage, it’s time to contact your insurance company to start the claims process. Most insurance companies have a claims hotline or online portal where you can report storm damage and initiate a claim. Be prepared to provide detailed information about the damage, including when it occurred, how it happened, and the extent of the damage.
- Call your insurance company’s claims hotline or use their online portal to report the damage.
- Provide your policy information and a description of the damage.
- Be ready to schedule an inspection of your property.
Step 3: Document All of The Storm Damage
Before the insurance adjuster arrives to inspect your property, it’s essential to document the damage thoroughly. Take additional photos or videos of the damage, focusing on specific areas that you want the adjuster to see. Keep detailed records of any correspondence with your insurance company, including phone calls, emails, and letters.
- Your notes about the damage should include the date and time it occurred.
- Keep all receipts and invoices for expenses related to the storm damage so you can show them to your insurance later on.
- Make copies of any documents you submit to your insurance company for your own records. A piece of paper can easily get lost, so it’s wise to have a copy of every document just for you.
Step 4: Schedule a Property Inspection
After you’ve filed a claim, your insurance company will likely schedule an inspection of your property to assess the damage. So, be sure to schedule the inspection as soon as possible to expedite the claims process. During the inspection, a representative from the insurance company or a claims adjuster will examine your property and let you know what damage has been done and what repairs will be needed.
- It’s very important that you’re present during the inspection. This is because you’ll need to answer any questions the adjuster may have. Plus, you may have questions about why or how certain damages happened and if there’s any way to prevent them from happening in the future.
- Don’t forget to point out specific areas of damage to the inspector and provide any additional documentation or evidence you have. The more information you can give them, the easier the insurance claims process will be.
- Ask for a copy of the inspection report for your records. Don’t lose this! You’ll need it for your insurance.
Step 5: Review Your Homeowners Insurance Settlement Offer
Once the inspection is complete, your insurance company will review the findings and determine the cost of repairs or replacement for your property. This means that you’ll receive a settlement offer outlining the amount of coverage you’re entitled to for the storm damage. So make sure that you take the time to review the settlement offer carefully. You’ll need to make sure it aligns exactly with the terms of your policy and with the extent of your home’s damage.
- If you have any questions or concerns about the settlement offer, don’t hesitate to contact your insurance company for clarification. They can walk you through any confusing parts in the offer.
- Keep in mind that you have the right to appeal the settlement offer if you believe it’s insufficient. This is your home after all–fight for what you believe you deserve!
Step 6: Complete the Necessary Repairs
Once you’ve accepted the settlement offer from your insurance company, it’s time to complete the repairs to your property. Make sure to work with reputable contractors to ensure that repairs are done correctly and up to code. Likewise, you should keep records of all expenses related to the repairs, including receipts and invoices. This is important because you’ll need them if you’re eligible for reimbursement from your insurance company later down the road.
- You should always keep your insurance company informed of any changes or updates to the repair process. Keeping them in the loop is not only courteous, but also makes the entire process smoother and avoids miscommunications.
🏡 Protect Your Home With a Storm Damage Insurance Claim
By following these six steps and staying proactive throughout the claims process, you can increase the likelihood of a successful storm damage insurance claim and get the coverage you need to repair or replace your property. Don’t hesitate to reach out to your insurance company or a professional contractor for assistance if you have any questions or concerns along the way.
Contact Best Exteriors today to ensure your home stays protected with a solid roof over its head. Our expert team is passionate about delivering the BEST possible roofing experience with the industry’s top warranties and easy financing options. If you’re ready to give your home the TLC it deserves, don’t wait to reach out to us!
