24/7 Emergency Repairs

Storm Damage And Insurance Companies

If you’re dealing with storm damage to your home… you’re dealing with a lot of stress. The last thing you need is trouble from the insurance company. Read this post to learn some tips and best practices.

The Best Way to File a Storm Damage Insurance Claim

There are a lot of ways that a bad storm can harm your roof and property. Storm damage can penetrate any cracked or missing materials and let moisture into the layers underneath. That means that your underlayment and decking could be compromised, or the walls and ceilings could show signs of water damage.

It’s important to report any storm damage to your insurance provider as soon as you can. If you wait too long, the window might close on filing an insurance claim. That’s just the first hurdle, because storm damage insurance can be a long and complicated process. That’s one reason to trust our experts at Wilson Roofing and Renovations. We can help you through each step of your claim and be there for professional roof repair or replacement when it’s done, so call us when you encounter storm damage!

Documenting Your Storm Damage

Once a storm has gone through and damaged your roof, or you’re concerned that it did, you should always gather evidence. Take extensive pictures of your property and roofing that’s damaged. One of the main reasons for this is to prove that the storm was the culprit, because your insurance may attempt to blame other means for the damages.

In many cases, the adjuster could try to say the storm damage was due to cosmetic wear on your roof over time. Wilson Roofing and Renovations has a lot of experience with storm damage insurance claims and roof repair. Our team can advise you on the documentation and help you maximize your claim’s chances.

When the insurance provider sends their adjuster to examine the roof and property damage, you should have a copy of your evidence ready. If you’ve had any roof repair, maintenance, or replacement, be sure to keep receipts of everything as well to prove that you don’t neglect your roof. 

Report the Storm Damage

Once the storm has passed, you should report any damages that it caused to your roof and property. You’ll have time to copy all of your photographs and receipts while the carrier prepares to send their adjuster. The reason you should call your insurance company as soon as possible is because waiting too long could make your claim invalid or let them know it’s not a priority.

Decide on a Contractor

Once you’ve reported your storm damages and filed the claim, you’ll need to decide on a contractor for roof repair. You can check for positive reviews online and make sure that your specific service is mentioned. Not only do we encourage that, but Wilson Roofing and Renovations has experience with residential and commercial properties.

We offer many professional services, including complete roof replacement for the worst-case scenario, to get your damaged roof secure. One of the biggest dangers of a storm is water damage, because moisture can get through cracked materials. Once that happens, your underlayment and decking could be exposed to mold or weakening. 

The water damage can also show up on your ceiling and walls, not to mention the foundation of your building. Other common issues from storm damage can affect your roof and materials via harsh winds. Your insurance company has a contractor they use, but restorations don’t fall under that requirement, so you can pick whoever you want for roof repair.

Keep in mind that some policies have a clause that forces you to use a “managed repair program” if any covered property’s damaged. You shouldn’t use a policy that has this clause to keep your options open and choose someone you trust for roof repair. When you need roofing services, call Wilson Roofing and Renovations as soon as possible!

Reimbursed and Ready for Roof Repair

If you’re filing a claim, be aware that it may take several months to process, so it’s important to have a plan in place. While there are various options for repairing your roof, we strongly advise against attempting it yourself. Inexperienced attempts on your own could lead to injury from falling or making the storm damages worse.

That could void warranties or ruin a claim, so our team at Wilson Roofing and Renovations can help. We’ve got extensive experience in storm damage repair and roof replacement, starting with an inspection to diagnose the extent of damages. We’ll conduct a thorough search of your roof and property to identify any storm damage.

Once our inspection is complete, we’ll recommend the best materials and services for your protection. There are numerous reasons to choose Wilson Roofing and Renovations for your roofing needs, including our knowledge of roofing types and services. We’ll deliver the best possible results for your roof and assist with your insurance claim when you give us a call now!

Reversing the Claim

Storms can cause a lot of issues and damage to your property, which can result in costly roof repair. Even a successful insurance claim may not cover everything and you may need to file for a claims reversal if you’re stuck with only partial reimbursement. Insurance companies often try to limit their liability by offering only partial coverage.

To increase your chances of receiving full reimbursement, it’s essential to maintain a record of any past roof maintenance or repairs and thoroughly document the storm damage. At Wilson Roofing and Renovations, our experts can offer you the best guidance to improve your likelihood of a successful claims reversal. Don’t hesitate to contact us today to get started!

Insurance Claim Advice

If you need roof repair or replacement, look no further than Wilson Roofing and Restorations. Our team has extensive experience in roofing services, including the insurance claims process. You can rely on us to assist you in achieving the best possible outcome, beginning with the following 6 pieces of advice:

Documentation and photographing is key. To begin, take photographs of any storm damages and keep all relevant documents. Any professional roof repair or maintenance work that has been done should be documented and kept, with receipts serving as proof of service. All of this will serve as evidence that could help your claim.

When the insurance company’s adjuster arrives, they ‘ll examine various aspects of auto and property damage. To make things easier, ensure that all of your documentation is dated and itemized. You can provide a copy to the adjuster for review to prove that the storm caused the damages.

Report any storm damage to your insurance carrier quickly. A severe storm can cause significant damage to both residential and commercial properties, but there’s a limited time frame for filing a claim. Insurance companies typically don’t accept claims beyond a certain point, so it’s critical to report any damages quickly.

When you contact your insurance company, you’ll need to know your policy number and an email or phone number to reach you. The severity of the storm damage will impact the speed of your claim processing. Insurance claims can take months to finish, so be sure to inform them of any special needs your family may have to possibly move up the list.

You might want to ask for an estimated timeframe for when the adjuster will contact you. That way, you can have a copy of your documentation ready. Keep their supervisor’s number on hand in case the adjuster has trouble reaching you. If you need to file a claim for flood insurance, you’ll have to go to that provider separately. 

Enable message alerts on your phone. Many insurance providers now use SMS or text notifications to keep you informed about your claim status. Through messaging, you’ll also be alerted to the estimated reimbursement and the date it will be sent. To confirm that your alerts are functioning correctly, you should receive a notification when your claim is initially filed.

Don’t get rid of any damaged items until the insurance company or the law says to. If a storm damages your property, ensure that you don’t dispose of any damaged items until the insurance carrier has finished inspecting them. This will allow you to retain any evidence of the storm damage. If local laws require you to dispose of damaged items, document and photograph them first.

Maintain organization by keeping a journal. One effective way to stay organized during the insurance claim process is to document everything in a journal. While taking pictures is useful, you should also keep track of anyone you interact with during the process. Make a point to know their name, title, and contact information in your journal for future reference.

Other essential details to record include the date of your conversation, the subject of discussion, and the exact time and date of your communication. Paying attention to these specifics can help down the line if there’s a claim reversal needed. Keeping all your information organized in one place can also be highly beneficial.

Be aware of the emergency services around your home or business. While Wilson Roofing and Renovations specializes in roof repair and replacement, emergency services can help with other urgent needs after a storm. They can assist you with things like boarding up doors, patching up windows, or removing water from your flooded property.

Covering your damaged roof with a tarp or other materials before the next storm hits can prevent further damage. If the damage is severe enough to make your property uninhabitable, your insurance company may provide a living expenses allowance.

Wilson Roofing and Renovations provides the best roof repair and replacement to protect your home or business. Our experts have experience with insurance claims, too, so we can help you along the way. To get started, make sure to give us a call as soon as possible for results you can trust!

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