Navigating an Insurance Claim for Wind/Hail Damage: A Step-by-Step Guide

Wind and hailstorms can do a number on your home, especially your roof. If you've found damage, knowing how to handle an insurance claim is key to fixing things quickly and getting the money you're entitled to. Here's a breakdown to make the process easier.

Step 1: Documenting the Damage

First, gather proof of the damage, such as taking photos and videos. Get clear shots of damaged shingles, siding, and gutters—anything the storm might have hit. Don't forget to snap pictures of any damage inside your home. Now, you should save samples. If you can safely collect things like broken shingles, it'll help your claim. Next, write down everything that's damaged, including stuff inside your house.

Step 2: Filing the Insurance Claim

Contact Your Insurer: Start the claim process right away. Insurance policies often have filing time limits.

Review Your Policy: Check what's covered, especially wind and hail. Be sure you understand your deductible (the amount you pay out of pocket) and any coverage limits.

Submit Your Evidence: Send your insurer all those photos, videos, and your list of damaged stuff.

Step 3: Working with the Insurance Adjuster

• You should be there for the inspection. Walk around with your insurance adjuster to highlight all the damage you see.
• Your adjuster will estimate how much the repairs should cost.
• If the estimate seems low, talk it out with your insurer or get a second opinion from a contractor you trust.

Step 4: Choosing a Contractor and Repairs

• Find a Reputable Contractor: Look for companies specializing in storm damage repair and know how insurance claims work. Get a few quotes, check their references, and ensure they're licensed. Thunderstruck Roofing & Restoration has the experience to help you through every step!
• It's Your Choice: Remember, you often have the right to choose your contractor.
• Getting Approval: Your contractor will probably need your insurance company's approval before starting repairs.

Step 5: Additional Tips

• Keep Good Records: Hang on to every piece of paper and email about your claim.
• Watch Out for Scams: Be careful of contractors who come knocking without you calling them or who pressure you to sign things immediately. Choose a company you trust, like Thunderstruck Roofing & Restoration.
• Public Adjuster: If your claim is big or complicated, a public adjuster can help you (they charge a fee).

How Thunderstruck Roofing & Restoration Can Help

Insurance claims can be confusing! That's where Thunderstruck Roofing & Restoration comes in. We offer:

Free Damage Assessments: We'll scrutinize your property and help you spot everything the storm damaged.

Insurance Claim Expertise: We know how to talk to insurance companies and help you get the best settlement possible.

Quality Repairs: Our trained and certified team will make your home look new again.

Wind and hail damage are painful, but understanding the insurance process can relieve some stress. Be patient, don't give up, and get help if needed. Thunderstruck Roofing & Restoration is here to be your partner through the whole thing. Contact us today for a free consultation!