As a homeowner, the last thing that you want to find is damage to your home because damage means money. Roof damage is among one the worst sorts of damage your house can have because a roof leak can cause a multitude of other problems for you over time. As a homeowner, you have a tool to fall back on that many forget about – homeowner’s insurance.
Homeowner’s insurance is a tool that you can use to your advantage as a homeowner in times of trouble. For example, if a storm causes damage to your roof, your insurance is there to protect you but you have to know what signs to look out for with your roof and have an educated and licensed general contractor there to have your back. Here is a step-by-step guide to help you understand how exactly to approach storm damage claims for your roof.
- Act quickly. Filing a claim with your insurance company for storm damage in a timely manner is important for a couple of reasons. Most insurance policies limit your time to file a claim, which makes being quick to connect essential. You’ll also want to repair the damage to your home or property before it has a chance to get worse, so reporting your claim early is the best approach
- Review your policy. If you know what your homeowner’s policy and optional insurance cover are, how to proceed, and what you can expect from the process, you’ll be better prepared to plead your case. Every insurance policy and claim is different. Reviewing your policy gives you information that specifically applies to you.
- Document everything. It’s smart to keep a log of the storm and the damage. Save news reports and take pictures immediately after to document any damage. Don’t start cleaning up until you’ve documented as much of the damage as is safe and wait to handle the big messes until after a claims adjuster has assessed the situation.
- Keep Receipts: Keep all receipts for repairs, temporary housing, and any other expenses related to the storm damage. These expenses may be covered by your insurance policy, so it’s important to keep track of them.
- Follow-Up: Don’t be afraid to follow up with your insurance company if you haven’t heard back from them in a timely manner. Make sure you understand the timeline for the claims process and any additional information they may need from you.
- Consider Hiring an Adjuster: If you’re having trouble getting your insurance company to pay out your claim or if you feel that the settlement offer is too low, consider hiring an adjuster. Adjusters work on your behalf to negotiate with the insurance company and help you get the best possible settlement.
If you have experienced storm damage, you may want to consider working with a reputable company that specializes in insurance restorations, such as Efecto Group. Efecto Group has a team of experienced professionals who can help homeowners navigate the complex process of filing an insurance claim and provide the necessary repairs to restore their property to its pre-damage condition.
Efecto Group can document the damage, provide multiple quotes, and handle all communication with the insurance company, making the claims process as stress-free as possible for homeowners.
Furthermore, Efecto Group can handle all aspects of the restoration process, including water damage restoration, roof repairs, and mold remediation, among others.
Contact us at Support@EfectoGroup.com, call us at 901-676-7096, or fill out this form to get a quote.
