Before filing an insurance claim, it’s important to consult with a trusted roofing professional. Many repairs may not exceed your deductible, making a claim unnecessary and may invalidate future larger claims.
If you contact your insurance company for a wind damage claim, an adjuster will visit your home with the assumption that wind caused the damage. However, if the damage was actually caused by hail and you incorrectly identify it as wind, the hail-related damage may be overlooked. Getting a professional assessment beforehand ensures that your claim is both valid and accurate, leading to a more beneficial outcome.
Severe storms can leave behind significant damage to your home, especially to your roof. If your home has been affected by high winds, hail, or heavy rain, filing an insurance claim quickly and correctly can help you get the repairs you need without unnecessary delays. At TaylorMade Exteriors, we specialize in storm damage repairs and insurance claims assistance. In this guide, we’ll walk you through the exact steps to take after a storm to ensure a smooth claims process.
1. Prioritize Safety First
Before inspecting any damage, make sure your home is safe. Be on the lookout for hazards like downed power lines, broken glass, or unstable structures. If you suspect gas leaks or severe structural damage, evacuate the property and contact emergency services.
2. Assess and Document the Damage
Once it is safe, document the storm damage thoroughly. This step is crucial for your insurance claim.
- Take clear photos and videos of all visible damage, especially to your roof, siding, windows, and gutters.
- Make a detailed list of damaged items, including an estimated value if possible.
- If you have pre-storm photos of your home, they can help prove the extent of the damage.
3. Make Temporary Repairs (If Needed)
Prevent further damage by making minor temporary repairs:
- Cover broken windows with plastic sheeting.
- Tarp damaged sections of your roof.
- Remove excess water to prevent mold.
- Keep receipts for any emergency repairs, as your insurance may reimburse you.
4. Filing Claims: What You Need to Know
- Before you file a claim, contact a trusted roofing professional. Many repairs may not exceed your insurance deductible, meaning a claim may not be necessary.
- If you call your insurance company for a wind damage claim, they will visit your home specifically for that purpose and lead with the assumption that wind is the cause. Having a professional assessment first ensures that your claim is valid and beneficial to you.
5. Review Your Homeowner’s Insurance Policy
Before filing a claim, check your policy to understand:
- What types of storm damage are covered (wind, hail, water damage, etc.).
- Your deductible (the amount you must pay out of pocket before insurance covers the rest).
- Any specific deadlines for filing a claim.
6. Contact Your Insurance Company
File your claim as soon as possible. You can typically do this:
- Online through your insurer’s website.
- By phone with an insurance agent.
- Through a mobile app, if available.
Provide your insurance company with all necessary documentation, including photos, videos, and a detailed description of the damage.
7. Schedule a Home Inspection with an Adjuster
Your insurance provider will send an adjuster to inspect your home. To ensure you receive fair compensation:
- Be present during the inspection.
- Provide them with your documentation and repair estimates.
- If possible, have a trusted contractor, like TaylorMade Exteriors, on-site to advocate for you.
8. Get Repair Estimates from a Professional Roofer
Your insurance company may provide an estimate, but it’s best to get a second opinion from a licensed roofing contractor. At TaylorMade Exteriors, we offer free storm damage inspections and help homeowners navigate the insurance claim process.
9. Review Your Insurance Settlement Offer
Once your claim is processed, your insurer will provide a settlement offer. Review it carefully:
- Compare it to your contractor’s repair estimate.
- Negotiate if necessary by providing additional evidence of damage.
- If your claim is denied or underpaid, consider filing an appeal.
10. Hire a Trusted Roofing Contractor for Repairs
Choose a licensed, insured, and reputable contractor to complete your repairs. Be cautious of storm-chasing contractors who appear after severe weather events and may not provide quality work. TaylorMade Exteriors has a proven track record of excellence in roofing and exterior repairs.
11. Finalize Repairs and Keep Records
- Ensure all work is completed to your satisfaction.
- Retain all receipts and paperwork for future reference.
- If your policy includes Loss of Use coverage, submit receipts for temporary housing or meal expenses.
Why Choose TaylorMade Exteriors for Storm Damage Repairs?
- Free Storm Damage Inspections – We assess your home for hidden damage.
- Insurance Claims Assistance – We guide you through the claim process to maximize your payout.
- Expert Roofing & Siding Repairs – Our experienced team restores your home to pre-storm condition.
- Local & Trusted – Unlike fly-by-night contractors, we are committed to our community.
Contact TaylorMade Exteriors Today!
If your home has suffered storm damage, don’t wait. Call TaylorMade Exteriors today for a free inspection and insurance claim assistance. We’re here to help you restore your home quickly and hassle-free.
Service Areas: Oklahoma City, Edmond, Moore, Norman, Midwest City, Del City, Yukon, Mustang, Bethany, Warr Acres, The Village, Nichols Hills, Guthrie, Choctaw, Harrah, Jones, Nicoma Park, Spencer, Forest Park, Arcadia, Piedmont, Tuttle, Blanchard, Newcastle, Noble, El Reno
