Storm damage repair may be devastating or minor. Every scenario is completely different. When it comes to coping with the situation, though, getting the process right is critical. When a storm rips in your home or when hail from a big thunderstorm pelts your windows, you may encounter critical destruction of your house. Wind, rain, and also snow could be a threat to life as well as your property especially your roof. Understanding what to undertake if the event blows over, although, can often mean all of the difference in getting help from your insurance company or not.
When the storm has gone by, look at the roof for damage. The wounds may be evident (missing shingles, cracks, indoor leaks) or even more subtle (bruises, dents to shingles or gutters, or granules collecting in gutters). All of these indications of damage certainly are a reason to be concerned. Bruises to your roof (areas where the shingles’ granules are already knocked away) could expose the shingles’ bases to much more UV rays, triggering damage that may limit your roof’s life. Holes, cracks, and missing shingles can result in water damage in your own home (if severe, this could result in mold formation or rotting wood). Tend not to shrug off damage; it could trigger more problems later on down the road.
Once you’ve taken note of the damage, write down the date of the storm, a description of the damage, and take some photos. You could also print off local news stories about the storm, in case your insurance agency asks for proof of its occurrence.
After that, you will need to find a contractor. Find a talented and experienced contractor, not really the cheapest, and be cautious with any contractors that are approved by insurance providers (these contractors may try to lower your claim). Have the contractor do a full inspection, going through the roof, siding, windows, air conditioner, screens, concrete, and more. When your claim is prepared, contact your insurance agency’s claims department. If you wish to have an insurance adjuster inspection, it is a smart idea to insist that your contractor be present for the inspection too, to ensure that the adjuster plays fair. Once the process is complete, you only need to have to wait. Your insurance agency will hopefully deal with the request soon
If they approve your claim, contact back your contractor. Make use of the first check from the insurance agency to pay for materials and the second to pay the contractor. Make sure that all materials are bought in your name (and with the check provided) and do not pay your contractor till the job is done and has passed city inspection.
Managing your hail damage cover and its insurance is a vital part of living with hail storms. With the right information, you can save yourself hundreds of dollars in fees and deductibles, as well as a quality roof replacement due to damage from hail.