Your First Home, Your First Storm Damage Claim
New Homeowners Trying To Understand Storm Damage Claims
In the past year, there have been a lot of new homeowners in the area. For many of them, this is the first storm they have had to go through. Trying to understand storm damage claims can be very confusing as a new homeowner, which is why we are here to help you through this crucial and devastating time. Homeowner insurance covers hail damage, including damage to your roof, gutters, siding, and windows. The easiest damage seen is on your gutters, siding, and windows. But, your roof is a crucial part of protecting your home. It’s important to have a licensed and reliable contractor come out to inspect your home before making any choices in repairs.
Help With Insurance
Record The Date of the Storm: Take pictures all the way around your home of any damage that you can see from the ground.
Research At Least Three Licensed, Reputable, & Reliable Contractors: Reach out to at least 3 contractors to obtain estimates or proposals. Ensure the contractor does a full property inspection of your home.
Read Over Your Insurance Policy Carefully: Contact your claims representative and inform them of your recent storm damage. Make sure you have all of your documents ready to send them as well as the estimate you chose from the contractors.
Try To Have Your Insurance Adjuster There The Same Day As Contractor: The contractor will want to make sure your insurance adjuster provides you with a fair assessment of your property damage.
Make Sure Job Is Done To Your Satisfaction: When your claim is approved, your insurance company will send the payments for the job. Make sure the job is done to your satisfaction and your contractor will sign a waiver.
Hail Damage On Roof
Missing pieces of asphalt or cracks in your shingles
Look for black substrate in your shingles
Search for small dents in metal flashing, valleys, and roof vents
Look for cracks or dimples within your shingles