Storm damage hit your home, now what? The first step is to contact your insurance provider and to gather evidence. If you’re unsure if you should file a claim after a storm hits your home, first read our blog, “Why You Should File an Insurance Claim for Storm Damage”.
If you’ve already decided to file, keep reading. Here’s what you can expect as a homeowner after filing an insurance claim:
1. Adjuster’s Visit:
- An insurance adjuster will visit your property to assess the damage and determine the scope of coverage. Be cooperative and answer their questions honestly.
- They’ll typically inspect the exterior, roof, interior, and any affected personal belongings.
- Having your chosen contractor present for the initial inspection is crucial for a smooth claims process. Their expertise can help expedite repairs and replacements by identifying and documenting all potential damage, ensuring a comprehensive understanding of the situation. This, in turn, minimizes the risk of needing a re-inspection and maximizes the coverage for the majority of repairs and replacements under your insurance policy.
2. Claim Evaluation:
- The adjuster will review your policy, damage assessment, and any additional information you provide. They’ll then determine the amount of coverage available.
- You might receive an initial offer, but negotiation is often possible. It’s usual for PE&C clients to only pay their deductible on an insurance claim.
3. Repair or Replacement Process:
- Once the claim is approved, you can choose a qualified contractor for the repairs or replacement. Some insurers might offer a preferred contractor list.
- Document all repair or replacement costs and keep receipts for potential reimbursement.
- Expect the process to take several weeks, depending on the severity of the damage and the workload of your insurer and contractors – your neighbors’ homes may have been affected by the storm too.
- Be patient and communicate regularly with your insurance provider and chosen contractor.
- Understand your policy details: Familiarize yourself with your coverage limitations and exclusions before filing a claim.
- Document everything: Keep records of all communication, photos, videos, and receipts related to the claim.
- Ask questions: Don’t hesitate to clarify any doubts or concerns you have with your insurance provider or contractor.
- Seek professional help: This is not the time to use a handyman. Choose a contractor that has experience with storm damage claims and restoration projects in your area.
Remember, staying organized, proactive, and informed can help you navigate the claims process smoothly and receive fair compensation for your storm-damaged home.
If you’re in need of a seasoned storm damage restoration team to guide you through the insurance claim process, give us a call at (608) 320-7007 or fill out our Request an Estimate form. We’ve got you covered!