Severe thunderstorms can strike suddenly, leaving a path of destruction from your roof and siding to your landscaping and windows. When a major storm strikes, it is necessary to make physical repairs after the storm and navigate the complicated insurance claims process. To have a smooth recovery, you need to know how to file a claim properly. If you need storm damage repair in Raleigh, this guide will take you step-by-step through the necessary steps to file a successful insurance claim.
Step 1: Safety first
You should always check your property before filing any claim. Watch out for fallen power lines, broken glass, unstable structures, and electrical systems damaged by water. Before entering your house, consult a professional about any structural damage you suspect.
Step 2: Documentation of the damage is essential
Documentation of damage should begin as soon as you are safe. It is important to document the damage for your insurance claims. Use your phone camera to take detailed and clear pictures of all affected areas. Focus on
- Roof damage (missing shingles or holes in the roof, punctures, etc.
- Broken windows or doors
- Flooding or intrusion of water
- Damage caused to gutters or exterior walls
- You may have fallen trees and debris on your land
- Affected personal items
The more visual evidence you have, the easier it will be to support your claims and avoid disputes with insurance companies.
Step 3: Review Your Insurance Policy
There are many different policies, and knowing which ones cover what is vital. Check your homeowner’s document and see the section covering storm or weather-related damage. Look for
- Deductibles
- Coverage limitations
- Exclusions
- The time limit for filing a claim
To clarify any doubts, please contact your insurance representative or agent.
Step 4: Prevent Further Damage
Most homeowners’ insurance policies require them to take sensible steps to avoid further damage after a hurricane. It may be necessary to:
- A leaking roof can be repair by tarping it.
- Board up broken windows
- Remove standing water
Be sure to keep receipts when you make emergency repairs or purchase materials. These costs may be reimbursed. But do not start permanent repair work until your insurance adjuster evaluates the damage.
Step 5: Contact Your Insurance Company
File your claim immediately. Most insurance companies offer multiple options for filing claims. It including through online portals, mobile apps, or by phone. Before contacting an insurer, be prepared with the following:
- Your policy number
- Date and timing of the storm
- Description of damage
- Your temporary repairs
- Photo and video documentation
Some insurance providers will give you a number for your claim and assign you an adjuster. Keep track of all communication, such as the names of those you spoke to and what was said.
Step 6: Meet with an Insurance Adjuster
In most cases, an insurance adjuster visits your property to assess damages and estimate the cost of repairs. It is best to be present during the inspection to point out any issues.
It’s a good idea to have the contractor you hired for damage repair in Raleigh present so that they can give you a professional assessment and ensure you don’t miss anything.
Step 7: Get Quotes from Reputable Contractors
Even if an insurance company gives you a repair estimate, get quotes from local companies dealing with storm damage. This will allow you to compare costs and ensure that your insurance settlement will cover the necessary work.
Be cautious of “storm chasers”-contractors who go door-to-door and offer deals after a storm. Choose licensed professionals with good local reputations.
Conclusion
Even though it might be intimidating, being prepared for a storm insurance claim and having the right information can make a huge difference. It is important to act quickly and document your damage. By working with professionals, you can receive the compensation you deserve and restore your home to its former condition. It doesn’t matter if your home is damaged by wind, hail, or flooding. By hiring a team to repair storm damage in Raleigh, you can be assured that it will be handled properly.
