After a bad storm, you may notice that your roof’s looking a bit bent of shape. Rather than ignoring it or waiting a few weeks, make the most of storm damage roof insurance policy straight away. Describe the damage done, make your claim, and start the repair procedure. You want it to continue as long as you can, while still not costing you too much. That’s why it’s so important that you get reimbursement for storm damage.
When the storm has passed, then check your roof for damage. The consequences might be obvious (missing shingles, cracks( indoor leaks) or much more subtle (lumps, dents to shingles or gutters, or granules collecting in gutters). All of these signs of harm are a cause for concern. Holes, cracks, and missing shingles can result in water damage in your house (if severe, this could lead to mold formation or rotting wood). Don’t shrug off harm; it could lead to more problems in the future down the road.
When you’ve taken notice of the damage, write down the date of this storm, a description of the damage, and shoot some photos. You might also print off local news reports about the storm, in case your insurance provider asks for proof of its event.
After that, you’ll need to find a contractor. Start looking for a talented and knowledgeable contractor, not always the cheapest, and also be skeptical of any contractors who are approved by insurance agencies (these contractors may attempt to lower your claim). Have the contractor do a complete review, looking at the siding, roofers elk grove village, windows, air conditioner, screens, concrete, and much more.
If your claim is prepared, contact your insurance agency’s claims section. If you want to have an insurance score inspection, it might be a good idea to insist that your contractor be present for the inspection as well, to make sure that the adjuster performs fair. Once the procedure is complete, you simply have to wait. Your insurance provider will hopefully reply to the request shortly.
If they approve your claim, call back your contractor. Utilize the first check in the insurance provider to pay for materials and the moment to cover the contractor. Ensure that all materials are purchased in your name (and with all the check supplied) and don’t pay your contractor before the project is complete and has passed town inspection.
Don’t give up hope. You can meet with two more insurance adjusters and chances are, you’re going to be approved. Although only 5% of homeowners use for a claim after having refused once, those that do receive acceptance 50% of their time.