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  • Writer's pictureMicah Harris

Will Your Insurance Pay for Storm Damage Repairs?

Updated: May 26

Storm damage roof repair

Has storm damage recently ravaged your roof? If so, now is the time for you to find out if your insurance will cover the cost of repairs. This is a crucial issue since the cost of these repairs may well exceed what you can manage to pay out of pocket. Knowing that you are fully covered will be a source of much needed peace of mind. 

Find Out What Your Policy Will Cover

The first question you should be asking is what exactly does your policy cover? You need to be very clear on what it will and will not provide full or partial coverage for. You also need to discover what the limits are.

There is also the question of just how large or small your deductible in each case will be. These are matters that you can settle by checking all of the documents related to your policy. You can then contact your insurer directly in order to get clarification on any remaining questions. Your roofer should be able to assist on this matter as well.

Get Started on Your Insurance Claim

The next thing you will need to do is get in contact with your insurer. This will be in order to start the claims process. You will need to have all of your documents in good order. This will be so that you can start the process in a timely and efficient fashion. 

Get Documentation of the Damage

You can use your cell phone or other camera to take photos and videos of the damage. You need to be sure to get good clear photos and footage of every part of the damage. The point will be to make sure that no area of your roof is left undocumented. Make sure you are searching for roofers near me to make sure they are local to the area. to assess the damage. Check out "Benefits of Hiring a Master Elite contractor".

The more evidence that you show to your insurance company, the stronger your case for full coverage will be. This will enable you to get the payout you need in a timely manner. 

Meet With Your Insurance Adjuster

The next part of the process will see you receiving a visit from an insurance adjuster. The insurance company will usually send this individual to assess the damage that your roof has sustained.

Once they have done so, they will render a decision as to whether further action on the part of your insurance company is warranted. if they rule in favor of action, this will be the signal for you to begin the claims process.

At the end of their visit, the insurance adjuster will come up with a certain figure. This will be the amount that the insurance company will offer you to cover the damage. If you agree with this figure, you can sign the documents that authorize you to receive a check. 

Receive Your Claim Approval Check

If and when your claim is approved, you will then receive a check or direct deposit. This is money that will come from your insurer. It will be for the express purpose of fixing any damage that has been done to your roof.

Keep in mind that this may not cover every last expense that is related to the damage. For example, you may still need to pay a few out-of-pocket expenses before you can receive the full amount of reimbursement from your insurance company. 

Begin Your Roof Repairs

Once you have payout you need to cover your costs, you can get started on repairs with your particular roofing company. The sooner you can do so, the better. The idea will be to start on repairs so as to avoid any additional damage.

Call a Reliable Local Roof Service

Your final step should be to get in touch with a reliable local roof repair service. These will be the experts whose job it will be to carry out the repairs to your property. 

Idea Roofing, a local roofing company in Helena, is here to help you get through each and every stage of the project. We can send a friendly service team to your home to diagnose the damage and make suggestions. From there, we can get started on fixing the issue. 

All of our work is backed with a full warranty of guaranteed quality. Get in touch with us today to learn more about how we can keep your roof secured and safe. 


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