Navigating Storm Damage and Insurance Claims

Trustworthy Contractor for Insurance Claims in Indiana

Storms are an inevitable part of life in many states, and while severe storms are usually rare, here recently we have seen multiple and they can cause significant damage to property when they occur. Fortunately, most homeowners’ insurance policies cover damage from events such as hail, wind, and lightning, though typically not from flooding or earthquakes. When a storm hits and damages your home, it’s crucial to understand the insurance claim process and the importance of a thorough house inspection. This article outlines key steps in managing storm damage, choosing a contractor, and navigating the insurance claim process to ensure you receive the compensation needed for repairs.

Selecting a Trustworthy Contractor for Insurance Claims in Indiana

After a storm, one of the first steps is to have your property inspected to assess the damage accurately. While your insurance company may suggest contractors, it’s often beneficial to select your own to ensure they have your best interests in mind. Unfortunately, scammers and storm chasers often target storm-affected families, so it’s essential to choose a reputable and experienced contractor.

  • Licensed and Recognized Professionals: Always opt for contractors who are licensed and have a proven track record. If you’re unsure of what to look for, your insurance representative can provide guidance. At Professional Roofing Solutions & Construction all of our team members have been thoroughly trained to spot storm damage.
  • Experience with Insurance Claims: Look for contractors with specific experience in handling insurance claims and storm damage repairs. Professional Roofing Solutions & Construction has a dedicated insurance team that deals directly with your insurance agent and adjusters for you.
  • Insurance and Warranty: Verify that the contractor is insured and inquire how the warranty works. If you end up having a storm chaser from another state do the work will they be easy to get a hold of when you have issues, probably not.

When interviewing potential contractors, ask the following questions to gauge their reliability:

  • How long has your firm been in operation?
  • What kind of insurance claim experience do you have?
  • Do you deal with the Insurance company for us?
  • Is your firm specialized in storm damage repair?
  • How many insurance claims have you handled in the past year?
  • Is your business insured?

These questions will help you determine the contractor’s credibility. Avoid those without insurance, local offices, or relevant experience in insurance claims.

The Importance of a Detailed Damage Assessment

Hiring a contractor like Professional Roofing Solutions to evaluate your house is critical for an accurate damage assessment. While you might describe the damage to your insurance agent, a contractor provides a comprehensive evaluation, crucial for maximizing your claim.

Key factors they assess include:

  • Age of Assets: Knowing the age of various components can affect their valuation.
  • Quality and Installation Costs: Detailed knowledge about the quality and cost of installation helps in accurate claim estimation.
  • Extent of Damage: A thorough inspection ensures all damage, visible and hidden, is accounted for.

Your Insurance company will send out an adjuster to assess the damage. With a good contractor that knows Insurance claims they will be there to point out all damage to your home. The adjuster will send a Scope Of Loss with a detailed list of what they feel you deserve. We have discovered that 99% of the time these reports are wrong and that is why you want a qualified storm contractor on your side. Professional Roofing Solutions will study the Scope Of Loss and negotiating with the Insurance company on your behalf getting you all the coverage you deserve and to make sure your home is put back together according to state code. The Insurance company is out to save money while Professional Roofing Solutions is fighting to get you everything you deserve.

Managing the Insurance Claim Process

Filing an insurance claim for storm damage can seem daunting, but following a systematic approach can streamline the process. Here’s how to navigate the claim efficiently:

  • Contact A Contractor: Give Professional Roofing Solutions a call so we can come out and give you an initial report of the damage. This way you will also have the name of your storm damage specialist so you can coordinate the adjuster appointment with him.
  • Immediate Contact: Inform your insurance provider as soon as you are safe. Your contractor can help you with this process.
  • Document Everything: Keep a detailed record of all damages and update it as new issues are discovered. Take dated photographs whenever possible. Professional Roofing Solutions will take many photos and mark the damage areas so the adjuster will easily be able to see them.
  • Consult Before Disposing: Check with your insurance provider before discarding damaged items.
  • Utilize Emergency Services: Know what emergency services your policy covers, such as water removal or temporary roof coverings, to prevent further damage.
  • Keep Records: Document all claim-related communications, noting names, dates, times, and information provided.
  • Save Receipts: Retain all receipts related to your claim for reimbursement purposes.

Reliable Contractor Evaluations

Dealing with an insurance claim and repairing storm damage can be overwhelming. Many homeowners are unaware of hidden damages that can complicate the repair process. Professional Roofing Solutions & Construction collaborates with your insurance adjuster to ensure accurate and fair compensation. Our team provides thorough, precise reports and high-quality work, guiding you through the process with professionalism and care.

If your home has been damaged by a storm, contact Professional Roofing Solutions & Construction for a dependable and professional damage assessment. Our experienced Storm damage insurance team is committed to helping you restore your property with integrity and expertise.