Winter storms can bring many challenges, from heavy snowfall and ice to freezing rain and high winds, which can significantly damage your home. Navigating the insurance claims process after a winter storm can feel overwhelming, but understanding how it works and the steps to take can help you get the compensation you need to repair your property. Here’s a guide to help you know winter storm damage claims, from documentation to dealing with adjusters.
- Know What Your Insurance Policy Covers
Start by reviewing your homeowner’s insurance policy to understand what types of winter storm damage are covered. Coverage often includes:
- Roof Damage: Most policies cover damage from heavy snow, ice, or fallen trees as long as the roof is well-maintained.
- Water Damage: Sudden water damage caused by ice dams or burst pipes may be covered. However, policies typically don’t cover gradual leaks or flood damage unless you have specific flood insurance.
- Structural Damage: High winds and fallen trees can cause structural issues, which are often covered if you can demonstrate the damage was sudden and due to the storm.
- Personal Property: Many policies cover personal belongings damaged by winter storms, such as electronics or furniture affected by a roof leak.
Each policy varies, so it’s essential to check for any exclusions or limitations, such as coverage for freezing pipes, flood damage, or damage due to lack of maintenance.
- Document the Damage Immediately
Once it’s safe to do so, document any storm-related damage thoroughly. This documentation will be essential when filing your claim.
- Take Photos and Videos: Take clear images and videos of the damage to your roof, siding, windows, and any affected personal belongings. If possible, make sure the date is visible.
- Make a List of Damaged Items: Create an inventory of damaged personal property, including descriptions, approximate values, and receipts, if available.
- Keep Damaged Items (When Possible): Keep damaged items until the insurance adjuster has inspected them. This can help verify the extent of the damage.
If temporary repairs are necessary, keep receipts and document the repairs, as these costs may be reimbursed as part of your claim.
- Prevent Further Damage with Temporary Repairs
Most insurance policies require policyholders to take reasonable steps to prevent further damage. This could mean:
- Tarping a Leaky Roof: Cover any roof leaks with a tarp to prevent water damage to your interior.
- Removing Excess Water: If you’ve experienced water intrusion, dry out affected areas quickly to prevent mold growth.
- Insulating Exposed Pipes: If pipes have burst, insulating exposed ones can prevent additional bursts.
At this stage, only make temporary and avoid permanent repairs until the adjuster has completed their inspection. Keep all receipts for materials, as you may be able to include these costs in your claim.
- File Your Claim Promptly
Winter storms can lead to a high volume of claims, so it’s best to file your claim as soon as possible. Here’s how to get started:
- Contact Your Insurance Company: Many insurance companies have online portals or apps where you can submit claims. Alternatively, call their claims department to report the damage.
- Provide the Necessary Documentation: Be prepared to share your photos, videos, inventory list, and receipts for temporary repairs.
- Be Clear and Specific: Describe the type and extent of damage as precisely as possible. Include the date and time of the storm to establish when the damage occurred.
After you submit your claim, the insurance company will assign an adjuster to assess the damage.
- Prepare for the Adjuster’s Visit
An insurance adjuster will likely inspect the damage before determining your claim’s settlement. To make this process go smoothly:
- Walk Them Through the Damage: Point out all damaged areas, including your roof, siding, windows, and personal property.
- Show Documentation: Provide photos, videos, and receipts you’ve gathered to support your claim.
- Ask for a Detailed Damage Report: Request a copy of the adjuster’s damage assessment report to help you understand what will be covered.
If you disagree with the adjuster’s assessment, you may want to get an independent contractor to estimate the repairs. Many homeowners also find it helpful to work with a public adjuster, who advocates on their behalf during the claims process.
- Understand Deductibles and Coverage Limits
Remember that your insurance policy likely includes a deductible, which you must pay out-of-pocket before your insurance covers the remaining cost. Winter storm damage may also be subject to coverage limits, so make sure to check:
- Your Deductible Amount: Some policies have separate deductibles for specific types of damage, like windstorms. Confirm your deductible amount and factor this into the repair costs.
- Coverage Limits: Your policy will have coverage limits for different types of damage. For instance, if you relocate temporarily, there may be specific limits for personal property or additional living expenses.
- Track Your Claim Progress
Once the adjuster has completed their assessment, you should receive a settlement offer from the insurance company. Stay in regular communication with your insurance representative to keep the process moving.
- Follow Up Frequently: If your claim is delayed, contact your insurance company to check its progress.
- Request Written Documentation: For any changes or updates, request written confirmation. This documentation can be helpful if there are any discrepancies later on.
- Be Aware of Deadlines: Most policies require submitting claims within a specific timeframe. Be aware of deadlines for providing additional information or contesting the settlement offer if needed.
- Hire a Professional Contractor for Repairs
Once your claim is approved, work with a licensed and insured contractor to make the necessary repairs. A professional contractor can help:
- Provide Accurate Repair Estimates: A trustworthy contractor will give you a fair repair estimate, which you can compare with the settlement amount.
- Handle Repairs Safely: Winter storm damage can be extensive, especially on roofs, so working with an experienced contractor is essential to ensure safety and quality.
Keep all receipts and any additional documentation of the repairs, as your insurance company may request them for the final claim adjustment.
Arnett Construction and Roofing proudly serves North Indiana, South Indiana, Ohio, SW Michigan, and Kentucky! We specialize in winter roof inspections, repairs, and storm damage restoration. Visit our website or call us at 219-369-1004 today to schedule your inspection and ensure your roof is ready for winter!
