Addressing Storm Damage: Frequently Asked Questions

Directly After the Storm

Assessing Damage

• Invisible Damage: Even if there is no visible leak, hail can reduce the lifespan of your roof. It’s essential to get a professional inspection.
• Old Roof Claims: Roof age does not preclude the possibility of a claim. In fact, older roofs may be more susceptible to damage.

Claim Threshold

• Damage Criteria: Damage does not need to be severe to file a claim. Dents in shingles, torn window screens, and scraped siding are all valid.
• Initial Steps: Contact a roofing expert immediately after the storm for a free inspection to determine the extent of the damage.

Starting the Claim Process

Who to Contact First

• Roofing Inspection: Call your roofing contractor first for an inspection before contacting your insurance company. This ensures you have an accurate damage assessment before meeting the adjuster.

Working with Contractors

• Choosing a Contractor: Hire your contractor before meeting the adjuster. The contractor can help ensure the scope of work is accurate and that you receive the full benefits of your insurance policy.

Communicating with Insurance

• Initial Call: When contacting your insurance company, provide details of the contractor’s assessment and request an adjuster visit.
• Meeting Preparation: Make a detailed list of all visible damages, including minor dents and scrapes on exterior fixtures.

The Payment Process

Understanding Payments

• Initial Payment: You will receive an initial check covering a portion of the claim minus the deductible and depreciation.
• Final Payment: After work completion, you will receive a final payment, including any supplemental claims for additional discovered damage.

Handling Additional Damage

• Supplemental Claims: If additional damage is found during the roof replacement, a supplemental claim can be made. Always inform your contractor of any new issues.

Deductibles and Depreciation

• Deductibles: Most policies have separate deductibles for hail/wind damage and other perils. Check your policy for details.
• Depreciation: Depreciation reflects the used value of the damaged item. Replacement Cost Value (RCV) policies reimburse this amount after repairs are complete.

Working with the Insurance Adjuster

Contractor and Adjuster Meeting

• Joint Meeting: It is beneficial for both you and your contractor to meet with the adjuster to ensure all damages are accounted for.
• Technical Expertise: Your contractor can provide technical insights that the adjuster may overlook.

Conclusion

Understanding the intricacies of storm damage claims and working closely with a reputable contractor can ensure you get the necessary repairs covered by your insurance.