One of the biggest fears of homeowners during severe weather is that their home exteriors may be damaged in bad storms. Luckily, most home insurance policies are going to cover most damages, but there are things that you will need to keep in mind when filing for a claim. Not all storm damage situations are created equal, so knowing what to do when it happens can improve your chances of getting coverage for repairs or replacements.
After filing a claim with your insurance company, you are going to need to get the repairs done quickly to reduce the chances of further damage to your home. That said, finding a professional water damage restoration company such as Flood Pros USA is your first towards a speedy and successful repair. In this article, we'll walk you through some helpful home insurance tips you need to know when dealing with storm damage to your home.
Inventory What Was Damaged & Determine Cost
The first step in getting your home insurance claim processed is to access the damage and take an inventory of each item that will need to be replaced. This can include furniture, building materials, and appliances. Make sure that you have everything included, and add in the costs and labor costs to fix each item on the list.
A reputable restoration company can help you with this step during the free, in-home price estimate and consultation. Have them visit you at your home to evaluate the costs of the damage. They can also help you file your claim with the insurance company if you haven't done so already.
Check Your Deductible
The next step will be to take this total cost list and compare it to your home insurance deductible to ensure that it exceeds the amount. This will ensure that you are not filing a claim that does not meet your deductible in which you will have to pay anyway.
Don't Accept a Claim Denial Argument
If the damage that you received to your home was sudden and triggered by a storm, do not accept a claim denial argument. Claim denial arguments speculate that the damage was due to faulty construction or maintenance which would deny any responsibility on behalf of the insurance company.
Make sure that you talk to your insurance company about the damage done to the home and how it should be covered by your policy.
If Denied, Get a Clear Reason Why
In the case that you file a claim and it is denied, you will need to make sure that you get a clear, detailed response as to why it's not being covered. This will help you move forward with escalating your claim to an attorney if you feel the need to, and it will provide a clearer answer to why they are not covering the damage.
If your insurance company refuses to cover the damage, your next step is to check with the manufacturer and home remodeling company that installed the item. If the damage was due to bad construction or faulty products, you may have a chance for coverage through those companies instead. Again, your restoration company can help you to evaluate your case with an on-site consultation.
Storm Damage Remodeling In Florida
So now that you know what to do in the event of having to file a storm damage claim with your home insurance company, you can move forward with getting the repairs done. Flood Pros USA specializes in storm damage restoration and mold remediation to help fully restore your home after any type of storm damage.
Since 2015, our team of restoration experts has been supplying Florida with top-notch service and industry-leading materials. To get a free quote on your restoration project, fill out the online form.
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