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insurance Claims
If your home has been damaged during a storm, filing an insurance claim is necessary to restore it back to its pre-storm condition. However, if you have never filed an insurance claim before, it is important to find a quality contractor who knows how to deal with insurance. Insurance companies prioritize their own interests, not the homeowners', which is why having someone in your corner is crucial to ensure you only pay your deductible and avoid costly repairs.
Steps for
filing a claim
1
Call a contractor first to come assess the damage
Call a contractor first to come do an inspection of your home. They can go over the scope of damage that they find with you and determine if it is enough to file an insurance claim or if it can be fixed with a couple of minor repairs. If the contractor deems that the roof is totaled and there is other damage to the property, they will likely advise you to file a claim with your insurance company.
2
FIling a claim
You will want to call your insurance company and tell them that you have had a storm at your house, have had an inspection and that the contractor told you to file a claim. Your insurance company will then get a claim started, you will need information like the date that the storm happened, your address, personal property that was damaged (if any) in the storm w/ pricing of what each item costs, address, etc.
After the insurance company gets a claim started they will assign an adjuster to your claim, who will come out and inspect the property. You, the homeowner should inform your contractor of this appointment, so they can represent you and ensure that the insurance adjuster seems the entire scope of the damage.
3
insurance paperwork
Once you have signed a contract with your chosen contractor, and once your insurance company has sent you their scope of your claim, you will need to send a copy of your insurance paperwork to your contractor and they will assess what the insurance company is willing to pay for the damages and supplement for any work that is missed. The contractor will work on your behalf with the insurance company to come to an agreeable price for the work that needs to be performed and what insurance will pay. You the homeowner should only be responsible for your deductible and any non-code related upgrades you choose to do on your home.
4
The 'work'
Then when the price is agreed upon your contractor will get to work and insurance will release a payment to you the homeowner to be able to pay your contractor for the work being performed.
5
Closing out your project
After all the work has been completed and inspections have been done by the proper municipality, your contractor will contact your insurance company to release the final payment of the claim, to you the homeowner, so you are able to finish paying the contractor for their work that was completed. Then you the homeowner get to enjoy your restored home.