Dealing with Your Insurance Carrier after Storm Damage
Having to deal with your home’s storm damage is bad enough, but trying to navigate the insurance process can sometimes make the situation feel even worse. Between filling out paperwork, getting estimates, and doing everything else that your insurance provider requires, it can really make your head spin. To help you best get through this process, there are some things that you can do.
Know Your Insurance Policy
The more familiar you are with your insurance policy, the more you know what is covered and what isn’t. For instance, there are certain circumstances where your policy will pay for your entire roof to be replaced, and in other situations, it will only reimburse for the storm-damaged sections. Additionally, some policies change depending on the age of your home’s exterior, paying you a lesser cost for repairs due to depreciation, so you will want to look for that as well.
If you don’t have a copy of your policy handy, contact your insurance provider and ask him or her directly. Of course, it is better to know this information before ever having to file a claim, but if you haven’t checked it out before you need it, you still want to know what you are entitled to in the event that a claim is immediately necessary.
Document the Damage
When your Colorado Springs home is damaged by hail, wind, or flying debris, you want to document the damage as soon as possible. Take photos of your roof, siding, and any other areas of your home’s exterior that have experienced Mother Nature’s wrath. It also helps to have before photos to compare them to, so keep an updated collection of these types of images at least yearly (or after completing any exterior home restoration or renovation project) in case you need them.
Also, keep all of your estimates and bills in regard to the storm damage in one file. Having this type of information easily accessible can make filing a claim a much smoother and simpler process.
Select a Licensed, Certified Contractor with Insurance Experience
Seamless Choice Siding is a local contractor that has experience working with insurance companies to get storm damage fixed as quickly as possible. We offer high-quality materials made by well-known siding manufacturers such as James Hardie.
If your Colorado Springs home has been damaged by a recent storm, call us today at (719) 445-7888 for your free consultation and estimate. Our experienced and professional Home Improvement Specialists are ready to help you navigate through the insurance process and get your home fixed as good as new!
