Storm season can bring some terrible surprises to your home or property. Storm damage is caused by different events such as falling trees, flying debris, strong winds, surface flooding, lightning, heavy rains, and more. If the problems are not addressed quickly and thoroughly, even minor damage can have major consequences that will pile up hefty costs. It is always best to have your property inspected if you have any hint of storm damage. As the old saying goes, it is better to be safe than sorry!
What do I do if I think my property has storm damage?
The first step is to call a certified storm damage restoration company or contractor to inspect your property and work with your insurance company to make sure you are treated fairly throughout the process.
Why should I get my home inspected for storm damage?
If your home is damaged, you only have a small window of time to file an insurance claim. Since this time is so limited, you should get your claim approved and repairs scheduled as soon as possible, and the only way to know if that is necessary is to have your home inspected.
What is the cost for having my property inspected for storm damage?
Storm damage clean-up and restoration contractors typically provide homeowners with a free inspection and no-obligation repair estimates. We care about our customers and, if there is no damage to be found, you will not be charged.
How much will it cost me to fix my property?
Depending on the level of damage at your home, we offer reasonable estimates after the free inspection of your property.
How long can I file an insurance claim after the storm?
The limited time allowance to file an insurance claim varies from company to company, but the average is a 12-24 month period. To take precautions before any possible damage, contact your insurance agent or a certified contractor to find out what your specific policy details.
My insurance company denied my claim. Is there anything I can do?
You are able to request three separate inspections and refile a storm damage insurance claim after it has been denied. Be sure your contractor is present during the next inspection as they can help you get your claim approved, even if it has been denied before.
Does my homeowners insurance cover all types of storm damage?
It all depends on your insurance policy. Most homeowners insurance policies cover damage from hail, tornados, and wind, but flood and earthquake damage may require additional coverage. Check your policy to see exactly what is covered.
What are the various types of coverage included in a homeowner’s policy?
Check the declarations page of your insurance policy to find out the exact types of coverage you have. Most include damage to your home, damage to other structures on your property, loss or damage to the contents of your home, loss of use in case your home is inhabitable, and personal liability to third parties.
What is not covered by homeowners insurance?
Earthquakes, floods, and other exclusions may require additional coverage. Normal wear and tear on your home or poor maintenance is not covered.
Should I call my agent if I have damage?
Insurance agents are often friendly and helpful, but your insurance company is a business that needs to make money. It is strongly recommended to call the claims number provided by your insurance company instead of your agent directly. Your agent is rarely a claims specialist and would need to report the same information to the claims department anyway.
Should I trust contractors who knock on my door?
It is a good idea to be cautious of door-to-door contractors. Make sure they are credible, licensed, insured, and properly trained before you to give them any personal information or start doing business with them.
How should I contact you?
How quickly do you respond to an emergency call?
Since we provide a 24/7 emergency service, your phone call will be returned within 15 minutes if we miss it, and we can be at your home in an hour. Our rapid-response time makes us able to help our customers quickly before any further damage can occur.