Storm Damage & Insurance Repair

As homeowners, we are vulnerable to mother nature every day. When misfortune lands at our doorstep or, in this case, our rooftop, we can be thankful for insurance coverage and the availability of roofing insurance claims for storm damage. When purchasing insurance, it is always advisable to check with your insurance agent about your policy's coverage as it relates to roofing insurance claims storm damage.

If you live in an area where storms, especially those known to create a lot of damage, occur frequently, ask your agent to explain exactly what is covered in the event of a loss. For instance, if you live in an area that is known for hurricanes, tornadoes or flooding, these are all factors that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined. At times, there are reports of individuals who suffer extensive storm damage to their home only to learn that their policy did not cover roofing insurance claims for storm damage. There is no doubt that storm damage can cause a lot of problems with your roof in particular, so it's extremely important to make sure your insurance policy covers any problems that may arise in the event that the unexpected should occur.

When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster. It is expected that, at some point, our roof will be in need of repair. Our roof is essential to a home because, without it, we would be left out in the rain - literally.

If your roof is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage. Your agent will then advise you in proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It's important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for storm damage.

If your roof is leaking it is essential that it be tarped to prevent further damage. Scenic Home Restoration has tarping crews available around the clock. Simply call us and we will come to your property and tarp your roof. You will be provided with a written invoice for your insurance company and an estimate for the repairs to your roof.

After the initial contact with your insurance agent, you should receive a letter or telephone call from their department, which handles roofing insurance claims for storm damage. Following that, an adjuster will likely contact you. It is advisable to sign a contract for negotiated insurance proceeds at this time. This will allow Scenic Home Restoration to deal directly with your insurance company to expedite your claim.

In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. If a contract has been signed we will meet with your adjuster, help point out your damage and supply you and your adjuster with our estimate for repairs.

If your roof is approved for replacement your insurance company will likely depreciate part of the cost of the roof. You will be sent an initial or "up front" payment. This is given to Scenic Home Restoration prior to or during you roof installation.

After your roof is completed, a certificate of completion will be prepared. It will be sent to your insurance company who will then release the second payment which is known as "recoverable depreciation." This is done to insure that homeowner's that file an insurance claim, actually complete the work. Failure to complete the work in the manner specified by your insurance company can and will result in a denial of recoverable depreciation payment. Scenic Home Restoration can help you stay legal, get your damage repaired and eliminate the headache of dealing with your insurance company.