After a storm or hurricane, inspecting your property for any signs of damage is the first thing you should do. If your home has suffered a lot of damage, your next battle has to do with filing your insurance claims to fund your storm damage repair.
Insurance claims can be stressful. Insurers are usually busy after a storm and there are those that find it difficult to balance their loyalty between their clients and their bottom line. Here are some of the things you can do to increase your chances of getting a fair payout from your insurance provider:
- Review your insurance policy – Read over your hurricane coverage and try to see if your policy covers water and flood damage. as storm surge and damage from high waters aren’t generally included in hurricane insurance policies.
- Take before and after photos – Best to keep photos of your home or your commercial roofing prior to the damage and take photos of its current state. This will serve as proof to your insurance of how much damage should actually be covered. Also, do an inventory of the items lost or damaged. Include the brand, model and cost to replace and date of purchase on your list. If possible, resist the urge to clean-up or throw away broken items until after the adjuster has taken a record of it. If there is structural damage, it’s best to list it down so it would be easier to show your adjuster when they visit.
- Do not take the first offer – insurers would most likely attempt to give you a low deal at first. So, as a homeowner, you have to know what you deserve and be firm about it. Talk to an attorney and go through the settlement together to see if your are receiving a fair deal. Look for a lawyer with extensive experience with hurricane insurance claims and who knows the tricks of the trade.
Rebuilding after a hurricane should not feel like another tragedy. There are professional construction and roofing companies that will help you with all your needs, like Billings Construction. Call us now at (918) 600-9565 for a free estimate of your residential or commercial roofing requirements. We work with homeowners in Tulsa, OK.