A storm hits. Your house has been damaged. Who do you call?
Most homeowners will most likely file an insurance claim for the storm damage, but this process is often easier said than done. Here are some tips to help you navigate the insurance claim process and obtain the compensation you deserve:
1. Make Sure You Understand What Is Covered
Most home insurance policies only include certain types of damage caused by certain weather conditions and elements such as wind, hail, lightning, tornadoes or fire. Not all insurance policies include flooding. You have to know about your insurance restrictions before filing a claim. Take advantage of additional coverage if you are living in a storm-prone area.
2. Stay Somewhere Else
Depending on the extent of the damage, it may not be safe or comfortable for you and your family to remain in your home until all the repairs are completed. Once you’ve found a safe place to stay, hire a roofing and siding contractor to assess the extent of damage in your house. The expenses of relocating or hiring an inspector may be covered by your insurance policy.
3. Document Like a Crime Scene
Make sure to document everything that has happened. Take photos or videos of the damage such as the windows, roofing, siding, gutters and drywall.
4. Choose the Right Contractor
Hiring contractors can be daunting. Beware of “storm chasers” – shady contractors who appear unsolicited after a storm claiming they can repair the damage at suspiciously low prices. Avoid potential scams by only hiring a local contractor with a solid reputation in your community.
When it comes to dealing with storm damage, you can count on Universal Roofing & Exteriors for top-quality roofing and siding services and more to get your home back into shape in no time. To get started, simply give us a call today at (317) 257-0779
. We serve Carmel, IN, and the surrounding communities.