Storms can leave behind serious damage. Whether it’s your roof, windows, or walls, you’ll want to fix things quickly. Filing an insurance claim may seem confusing, but it doesn’t have to be! This guide will break it down for you in five easy steps. The team at USA Builders and Developers has put together this guide to assist you in navigating the storm damage insurance claim process.
1. Inspect the Damage
The first thing you should do after a storm is to inspect your home. Look at your roof, windows, and walls. Take note of anything that seems damaged. You’ll want to check for things like:
- Missing shingles
- Broken windows
- Leaks in the ceiling
- Flooded areas
Take clear photos of everything. These will be important when you speak with your insurance company. Try to capture the damage from different angles. The more proof you have, the better. Be sure to also check less obvious places, like your basement or attic, for hidden water damage.
2. Review Your Insurance Policy
Before contacting your insurance company, it’s important to know what your policy covers. Every insurance policy is different, so you need to understand your plan. Some policies may cover all repairs, while others only cover specific parts of your home.
Look at the section in your policy about storm damage. It will tell you exactly what is covered and what is not. For example, some policies may not cover flooding. Knowing this in advance will save you surprises later.
If you don’t understand something in your policy, don’t worry! You can always call your insurance company to ask for clarification. They are there to help.
3. Contact Your Insurance Company
Once you’ve inspected the damage and reviewed your policy, it’s time to Call your insurance company. Let them know about the storm damage as soon as possible. Many companies have a deadline for filing claims, so don’t wait too long.
When you call, give them all the information you’ve collected. This includes:
- The photos you took
- The date of the storm
- A list of the damage
4: Meet with the Insurance Adjuster
Your insurance company will send an adjuster to inspect your home and confirm the damage. When they arrive, walk with them through the property and show them everything you found. Don’t forget to have the photos you took earlier ready to share. If you discover more damage during the inspection, mention it right away. The adjuster is there to help, so stay calm and clear about your needs. Working together will ensure that your claim reflects the full extent of the storm’s impact.
5. Follow Up and Stay Organized
After you’ve filed your claim and met with the adjuster, keep track of everything. Write down the names of people you speak with at your insurance company. Save all emails, receipts, and documents related to your claim.
The process may take time, but staying organized will help things move faster. If you don’t hear back from your insurance company within a few days, give them a follow-up call. Sometimes claims get delayed, so it’s important to check in regularly.
Reach Out to a Roofing Contractor
Storms can cause serious damage to your roof. Missing shingles, leaks, or broken gutters can be common issues after a storm. It’s important to reach out to a roofing contractor for a professional inspection as soon as possible.
Conclusion
Storms can be tough, but filing a claim doesn’t have to be. Just follow these steps, and you’ll get through it. If you need extra help, USA Builders and Developers is here for you. We know how to handle storm damage and will make sure your home is repaired the right way.
Remember, you’re not alone in this process. Your insurance company is there to help, and experienced contractors will ensure your home gets back to normal.
If you live in Maryland and need storm damage repairs, contact USA Builders and Developers for free inspection. They have a strong reputation and offer top-quality roofing services. Stay safe, and remember to take things one step at a time!
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