23 Apr Five Storm Damage Tips to Help You Recover
The Midwest is a hotspot for extreme weather patterns year-round, especially in late Spring and early Summer as severe storms, extreme winds, frequent lightning and tornadoes roll through. Storm damage can wreak havoc on your home and property in a number of different ways often leaving you and your family not knowing where to turn.
Here at Triad, we specialize in helping repair the damaged caused by severe storms, because we understand the devastation it can do to both your home and your family’s livelihood. From roof repairs to insurance claims, we are well-versed in all of the facets of dealing with the fallout from storm damage.
Five Storm Damage Tips to Help You Recover
Tip #1: Assess and Address The Storm Damage Immediately
No matter how minor you think the storm damage might be, it’s extremely important you have a trained professional assess the damage as soon as possible. They’ll be able to identify if the damage is purely cosmetic, or structural, and make suggestions on the best way to repair your home. Not addressing these issues lead to worse damage and more expensive repairs later on.
Tip #2: Document The Storm Damage
Following the storm and assessment, it’s important to document the damaged caused. Be sure to take close-ups to focus on the detail of the damage, as well as wider shots of your entire home to provide context.Thankfully our cell phones come equipped with high-resolution cameras which you may use to snap these photos, then download and save to your computer so you can send them to your insurance agent.
Tip #3: Use a Local, Qualified Contractor
Depending on the severity of the storm damage and your insurance coverage, repairing any damage caused by a storm can get expensive. According to Statistic Brain, the average annual weather cost of storm damage in 2017 was $23.46 billion.
It’s important you hire the right team the first time, so your repairs won’t end up costing you even more. Make sure you find a contractor who has experience dealing with storm damage.
Tip #4: Double Check Your Insurance Policy
Have a copy of your homeowner’s insurance policy ready to review so you understand what will be covered. Make sure you contact your insurance company if you have any questions about what you are covered for in the wake of storm damage. Before that, make sure you check out our myths about insurance to best protect yourself and your home.
Tip #5: Be Weary of Roofing Fraud
Unfortunately, some roofing contractors will go door-to-door trying to make a quick buck by asking for full payment upfront before they even start the job. It’s easy for these temporary contractors to make false promises and try to take advantage of devastated neighborhoods after a severe storm blows through. Do your research on each company you speak with!
Frequently Asked Questions About Storm Damage
I just have a basic homeowners insurance policy, and a tornado hit our home. Will tornado damage be covered?
Tornado damage is usually covered in standard homeowners insurance policy. It’s important to read over your insurance policy to see if it’s covered and if there is a higher deductible for windstorms.
We had a severe storm pass through, but my roof looks fine. Should I still get it checked out?
It’s very important you have a trained professional assess your roof. A roofing contractor may be able to find damage that the untrained eye wasn’t able to find.
When should I file a claim following storm damage?
Often, you will have one year from the time of the storm to file an insurance claim, but all homeowners insurance policies vary. You should contact your insurance company and a roofing contractor immediately to avoid losing your insurance claim.
Can I hire a “storm chaser” to help me fix the problem?
It’s very important that you do not hire a storm chaser. They cannot do the work that trained roofing contractors can do. They will position themselves as a local company, but make sure you ask to see their general liability insurance and do your research!
Will my insurance premiums increase if I file a storm damage insurance claim?
A public adjuster will help you figure out if it’s in your best financial interest to file a storm damage claim. If you’ve received a “claims free” discount on your premium, you might risk losing that policy discount if you choose to file a claim. Fortunately, our company has vast experience working directly with insurance companies to ensure the best outcome for you and your home according to your policy.
Make sure you do your research and ask important questions to your insurance company and public adjuster.