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  • Writer's pictureMicah Harris

Should I Call My Insurance Company After A Severe Storm?


severe storms

Storms can wreak havoc on homes and properties, leaving behind a trail of damage and destruction. Whether it's a hailstorm, a hurricane, or a tornado, severe weather events can cause significant harm to your property, leading to expensive repairs and restoration. In the aftermath of such storms, many homeowners find themselves wondering whether they should contact their insurance company. In this blog, we'll explore why it's essential to reach out to your insurance provider after a severe storm and what steps you should take to ensure your property is properly protected.


Assessing the Damage

The first thing you should do after a severe storm passes is to assess the damage to your property. Inspect your home carefully, both inside and out, looking for any signs of damage. This could include:

  1. Roof damage, such as missing or damaged shingles

  2. Broken windows or doors

  3. Water damage, including leaks or flooding

  4. Structural damage to walls, foundation, or other parts of the home

  5. Damage to vehicles or other personal property

Document the damage thoroughly, taking photographs or videos if possible. This documentation will be essential when filing a claim with your insurance company.


Contacting a Roofing Company Near You

When searching for "Roofers near me" in Google you'll find a multitude of roofing companies to choose from. Do thorough research on each roofer by their Google reviews, website and even searching their name on social media pages. Once you've located the roofer of your choice, you will need to call to set up a roof assessment. Roofing companies will come assess the damage, take essential photographs for the claims process and are also able to cover any damaged areas with tarps along the roof, chimney or siding to mitigate any further damage from leaks. Idea Roofing is a GAF Master Elite Contractor with extensive experience in the insurance field, which will help greatly throughout the insurance process.


Contacting Your Insurance Company

In the event you sustain substantial damage from the storm, it's crucial to contact your insurance company as soon as possible. Many insurance policies have specific time limits for filing claims after a storm, so it's essential to act quickly. Even if you're unsure whether the damage is covered by your policy, it's still a good idea to reach out to your insurer for guidance.

When you contact your insurance company, be prepared to provide detailed information about the damage, including when and how it occurred. If you have documentation, such as photographs or videos, be sure to share that with your insurer as well.


Filing a Claim

Once you've contacted your insurance company and gathered all the necessary information, it's time to file a claim. Your insurer will guide you through the claims process, which may involve providing additional documentation or working with a claims adjuster to assess the damage.

Be sure to keep detailed records of all communication with your insurance company, including the date and time of your calls or emails and the names of any representatives you speak with. This will help ensure that your claim is processed smoothly and that you receive the compensation you're entitled to under your policy. Please keep in mind that it's up to the insurance adjuster whether your roof will need to be repaired or they move to a full roof replacement.


Conclusion

In conclusion, it's essential to contact Idea Roofing and your insurance provider after a severe storm to protect your property and ensure that you receive the compensation you need to repair any damage. By assessing the damage, contacting your insurer, understanding your coverage, and filing a claim promptly, you can minimize the financial impact of storm damage and get your life back to normal as quickly as possible. Don't hesitate to reach out to Idea Roofing for help and guidance during this challenging time.

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