One of the most difficult ordeals a homeowner can run into is storm damage because it’s difficult to assess your roof’s condition until the situation has calmed down. Thankfully, you have the option to enlist the help of insurance providers to help you repair your storm-damaged roof. However, there’s a process you’ll have to follow before you can be covered.
In this post, flood restoration experts, Action Restoration, shares how storm damage insurance estimates work.
- Check the Area. Once the storm has passed, inspect the affected areas of your home and take photos and videos of them. You should also create a detailed breakdown of which parts of your home need to be repaired or replaced. You can even keep some of the broken parts as proof to be submitted to your insurance provider. However, if you’re uncertain on what to look out for, you can enlist the help of a roofing inspector who can assist you with the process. You can even compare their breakdown against your adjuster’s to see if there are any discrepancies.
- Request For a Statement of Loss. Ask your insurance adjuster for a statement of loss form and be sure to be physically present when the document is written. The adjuster will give you this document after they’ve inspected the temporary storm damage and flooding repair you’ve done
- Gather All Your Repair and Replacement Estimates. Keep in mind that it’s a good idea to get quotes from multiple contractors to get a general idea of how much your repair or replacement project is going to cost. Once done, compile them and send them to your insurance provider together with your insurance claim. If your insurance claim is approved, the depreciation column will be adjusted to the true cost of the project. If there are any excesses, a check will be issued to cover them.
Do you need help filing your storm damage insurance claim? Call on the local flood damage expert, Action Restoration! We don’t just restore homes, we restore people’s lives. Our licensed contractors will find the source of the problem and keep your home healthy and comfortable for your family to live in. Call us at (616) 200-8946 or fill out our contact form to get in touch with us.