Navigating the insurance claim process can feel overwhelming when a storm rolls through and leaves damage in its wake. But with the proper steps and some know-how, you can turn this challenge into an opportunity to restore your home and protect your investment. Here are expert tips to maximize your insurance claim after storm damage.
Document the Damage Immediately
Inspect your property and document the storm’s impact as soon as it’s safe. Use your phone or camera to take clear, detailed photos and videos of:
- Damaged roofing, siding, or gutters.
- Broken windows or doors.
- Fallen trees or debris affecting your home.
- Interior damage caused by leaks or flooding.
Tip: Make sure to capture photos from multiple angles and date-stamp them if possible.
Notify Your Insurance Company Promptly
Time is of the essence when filing a claim. Contact your insurance provider as soon as you’ve assessed the damage. Provide them with:
- A summary of the damage.
- Your photos and videos.
- Any temporary repair receipts (e.g., tarps or boarding).
Review Your Policy
Understanding your homeowner’s insurance policy is key to knowing what is covered. Pay attention to:
- Deductibles.
- Coverage limits.
- Exclusions (e.g., flood or wind damage limitations).
If you’re unsure, ask your insurance agent for clarification.
Get a Professional Inspection
While your insurance adjuster will assess the damage, hiring a trusted roofing and construction professional for an independent inspection ensures nothing is overlooked. Professionals can:
- Identify hidden damage (e.g., to your roof’s underlayment or structural elements).
- Provide an accurate repair or replacement estimate.
- Advocate for you during the claims process.
Mitigate Further Damage
Insurance policies often require homeowners to take reasonable steps to prevent additional damage. This might include:
- Tarping damaged roofs.
- Boarding up broken windows.
- Removing debris that poses a safety risk.
Keep receipts for any materials or services used—these expenses are typically reimbursable.
Keep Detailed Records
Maintain a log of all communications with your insurance company, including:
- Dates and times of phone calls or emails.
- Names of representatives you speak with.
- Any promises or instructions given.
Also, save receipts, invoices, and estimates related to repairs or temporary fixes.
Don’t Settle for Less
Insurance companies may initially offer a lower payout. If the offer doesn’t cover the full cost of repairs, don’t hesitate to:
- Provide additional evidence (e.g., your professional inspection report).
- Request a re-inspection.
- Consult a public adjuster or attorney if needed.
Work with a Trusted Contractor
Partnering with a reputable roofing and construction company ensures that your home is restored to its pre-storm condition. Look for a contractor who:
- Has experience working with insurance claims.
- It is licensed, insured, and well-reviewed.
- Offers precise, detailed estimates and timelines.
Why Choose Arnett Construction
Arnett Construction, proudly serves North Indiana, South Indiana, Ohio, SW Michigan, and Kentucky! We specialize in storm damage restoration, including roofing, siding, and gutters. With years of experience handling insurance claims, we’re here to make the process seamless and stress-free. From thorough inspections to quality repairs, we’ll help you reclaim your home’s beauty and functionality.
Visit our website or call us at 219-369-1004 for a free inspection!
