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How To File A Storm Damage Insurance Claim In 8 Steps

We all know that storms can wreak havoc on our homes, causing damage to roofs, siding, windows, and more. But did you know that you may be able to get help covering the cost of repairs through your homeowner’s insurance? That’s right – filing a storm damage insurance claim can help ease the financial burden and get your home back in tip-top shape. In this guide, we’ll walk you through the process of filing a storm damage insurance claim in 8 simple steps.

Inside this blog:

  • 8 steps for filing a storm damage insurance claim like a pro
  • Key details and tips under each step to ensure a successful claims process

Keep reading to learn all you need to know about how to file a storm damage insurance claim for your roof, so you can keep your home protected and in top shape!

Step 1: Assess the Damage


The first step in filing a storm damage insurance claim is to assess the damage to your home. Take a thorough inventory of any visible damage, including to your roof, siding, windows, and other exterior surfaces. Here’s what to look for:

  • Roof damage: Missing or damaged shingles, leaks, and signs of water damage.
  • Siding damage: Cracks, dents, or holes in siding panels.
  • Window damage: Broken or cracked windows, damaged frames, and window screens.
  • Other exterior damage: Damage to gutters, downspouts, fences, and outdoor structures.

Step 2: Review Your Insurance Policy

Before filing a claim, review your homeowner’s insurance policy to understand what types of storm damage are covered and any deductibles or limitations that may apply. Look for coverage for wind damage, hail damage, and other storm-related perils. If you’re unsure about your coverage, contact your insurance agent for clarification.

Step 3: Document the Damage

Document the storm damage to your home by taking photos or videos from multiple angles. Be sure to capture close-up shots of any visible damage, as well as wider shots that show the overall extent of the damage. This documentation will be essential when filing your insurance claim and can help support your case.

Step 4: Contact Your Insurance Company

Once you’ve assessed the damage and reviewed your insurance policy, it’s time to contact your insurance company to file a claim. You can usually do this by phone or online through your insurer’s website. Be prepared to provide details about the storm damage, including when and where it occurred, and the extent of the damage to your home.

Step 5: Schedule an Inspection


After you’ve filed your claim, your insurance company will typically schedule an inspection of your home to assess the damage. A claims adjuster will visit your property to inspect the damage firsthand and determine the cost of repairs. Be sure to be present during the inspection to point out any areas of concern and provide additional documentation if needed.

Step 6: Obtain Repair Estimates

Once the inspection is complete, obtain repair estimates from reputable contractors in your area. These estimates will help you understand the scope and cost of repairs and can be submitted to your insurance company as part of your claim. Be sure to choose contractors who are licensed, insured, and experienced in storm damage repairs.

Step 7: Review the Settlement Offer

After reviewing the inspection report and repair estimates, your insurance company will make a settlement offer based on the cost of repairs and your policy coverage. Review the offer carefully to ensure it accurately reflects the extent of the damage and covers the cost of necessary repairs. If you have any questions or concerns, don’t hesitate to reach out to your insurance company for clarification.

Step 8: Complete the Repairs

Once you’ve agreed to the settlement offer from your insurance company, it’s time to roll up your sleeves and get those repairs underway. Contact the contractors you’ve chosen to do the job and work with them to schedule the repairs. Make sure they understand what needs to be done and that they’re clear on your expectations.

Once the repairs are underway, keep track of all the paperwork. Save those repair invoices and receipts – they’re like your golden ticket to getting reimbursed by your insurance company. Make copies and organize them neatly so that when it’s time to submit everything, you’ll have everything you need right at your fingertips.

  • As the repairs progress, don’t be afraid to speak up if something doesn’t look quite right.
  • It’s your home, after all, and you want to make sure the repairs are done to your satisfaction.
  • If you notice any issues or have concerns, don’t hesitate to discuss them with your contractors.
  • It’s better to address any problems early on rather than waiting until the repairs are complete.

Once the repairs are finished, do a final walkthrough with your contractors to ensure everything has been completed to your satisfaction. Take note of any remaining issues or touch-ups that may be needed.

Remember, completing the repairs to your home is an important step in the recovery process after a storm. By working closely with your contractors and keeping detailed records of all your expenses, you can ensure that you’re properly reimbursed for the repairs.

🌪️ Protect Your Home With A Storm Damage Insurance Claim

Filing a storm damage insurance claim may seem daunting, but with these 8 simple steps, you can navigate the process with confidence and get your home back on track to recovery. Remember to assess the damage, review your insurance policy, document the damage, contact your insurance company, schedule an inspection, obtain repair estimates, review the settlement offer, and complete the repairs. With patience and persistence, you can ensure that your home is restored to its former glory and protected against future storms.

Contact our team of expert contractors at Kornerstone Roofing today and we’ll answer any questions you have about your next roofing project. We guarantee you’ll get responsive communication and top tier results when you work with our roofers!

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