Has a storm hit your neighborhood and caused property damage to your home? A situation like this often times leaves homeowners with more questions than answers. How bad is the damage to my roof? Is this damage covered by my homeowner’s insurance? Where can I find a reliable contractor? Who do I call next? These steps should help you navigate your next storm damage event.
- Have your roof inspected by a local contractor or roofer who has a background in insurance claims. This will ensure that you have someone who knows what to look for. Don’t be afraid to get a second opinion if you are told you have no damage, especially if your neighbors are being told they have damage.
- In most cases, any damage caused by a sudden event like a storm will be covered by your homeowner’s policy. Keep in mind that your deductible could change in a storm event ( some more modern policies have built-in percentage deductibles for storm damage)
- Local roofing contractors are always the number one choice. Make sure your roof repair service is financially stable, bonded, and always ask them to supply you with a certificate of insurance before they hammer the first nail.
- If you suspect damage you should call a roof repair expert to inspect the damage first. Then call your insurance carrier. It is always a great idea to inform your agent when you file a claim and ask your contractor to keep your insurance agent informed as to the progress of your claim. [contact-form to=’email@example.com’ subject=’Storm Event’][contact-field label=’Name’ type=’name’ required=’1’/][contact-field label=’Email’ type=’email’/][contact-field label=’Damage Discription ‘ type=’textarea’/][contact-field label=’Phone Number’ type=’text’/][/contact-form]