Storm damage can be a stressful ordeal for any homeowner to go through. Aside from the structural damage it brings, it can endanger your family and your belongings if your home has sustained significant damage. This is the reason it’s important to file your insurance claim right away.
What to Do After the Storm Passes
Once the situation has stabilized, try to take photos and videos of the damaged area as proof to be submitted to your insurance provided. This helps solidify your insurance claim. Don’t forget to keep some of the damaged portions of your home as supporting evidence as well.
Once you’ve documented everything, try and do some patchwork on your home before calling your roofing contractor to assist you with the proper repairs. This prevents the damaged sections of your home from worsening which will hurt your chances of getting insured.
File Your Insurance Claim
Once you’ve called your roofer over, contact your insurance provider and mention that you want to file a storm damage claim. If your area is severely affected by the storm, the company will send over an emergency response team to accompany your adjuster while inspecting your home. Once the inspection has begun, your adjuster will inspect the severity of the damage and will inspect the patchwork that you’ve done. This person will also inspect other parts of your home, such as the living area, the basement and the exteriors. Some insurance providers give checks to provide your roofing contractor as an emergency advance while the following payments are for the repair and replacement costs.
Don’t Be a Victim of Storm Chasers
After a storm passes, you’re most likely to encounter dubious individuals known as “storm chasers”. These scammers lure homeowners with the sense of urgency to get their roof repaired as soon as possible or by offering them a deal that looks too good to be true. You can tell if a person is a storm chaser if the person demands a steep payment upfront or offer you deals that seem too good. To avoid this, only trust a roofing contractor you’ve worked with or refer to contacts provided by your neighbors or anyone else in the community.