Category: Insurance Claim

Mother nature is unpredictable, and when she strikes with a powerful storm, homes are often left with storm damage- ranging from minor damages like broken fences and missing shingles to more severe damages like flooding and falling trees. In these situations, filing an insurance claim can be the last thing on your mind, but time is of the essence to begin the repair as soon as possible. Knowing how to file an insurance claim after home storm damage can be a daunting task, but with this guide, you should know what steps to take, what documentation is required, and how to ensure your claim is approved.

Assess your Damage

After the storm subsides, assess your property with safety in mind. Take photographs or videos of the damages, and don’t discard any damaged items or debris until the insurance company has approved it. Your insurance company may send an adjuster to assess the damages, but it is worth estimating the damage independently. Obtaining estimates from roofing contractors can be helpful in supporting your claim.

Understand Coverage

Before filing a claim, it is essential to understand the specifics of your insurance policy. Coverage does vary, and knowing what is and isn’t included in your policy can be helpful in submitting a valid claim. Some insurance policies may cover damages due to wind and hail, trees falling on your home, or flooding caused by the extreme winds of a storm.

File Your Claim

Once you have assessed the damage and reviewed your policy, now it is time to file your claim. You can either file online or by calling your insurance company’s customer service. Submit a detailed list of damages and supporting documents such as photographs. Always ensure that you provide accurate information.

Set a Time for Adjuster Inspection

Once your claim is filed, the insurance company will send an adjuster to investigate further and assess the damages. Be sure to set the time for this inspection, and it’s advisable to make photos and videos of the damage available to the adjuster.

Work with Your Insurance Company

After inspection, the insurance company will send a check or even pay your contractor directly, helping you get the repairs started soon. If they deny your claim, ask for a written explanation with detailed reasons for the refusal, and request an appeal, especially when you feel the company is wrong.

Filing an insurance claim after home storm damage can seem daunting, but knowing what to do and following those steps will make the process smoother. Remember to communicate with your insurance company, document everything, have supporting documents ready, and work closely with the adjuster. After all, restoring your home after a storm is essential, and your insurance company is there to help.