If you’re a resident of Cache Valley, you’ve probably experienced massive windstorms wreak havoc upon your neighborhood. Fallen trees, shingles flying from roofs, and shattered windows are a few outcomes that can leave you feeling helpless and exposed.
It’s highly encouraged that you call our wind damage experts immediately following a disaster. They will come assess the damage and begin the board up and tarping process to provide a temporary protective barrier to your building. After calling our damage restoration experts, you should start filing an insurance claim for wind damage.
We know. Working with insurers may seem like an added burden, especially when you’re already dealing with damaged property. We don’t want you to get “blown away” from the stress of figuring out how to recover from your wind damage losses. That’s why we at Sierra Restoration have compiled a list of important steps to remember when filing an insurance claim.
Storm and wind damage can be tricky to navigate, especially when figuring out what’s exactly covered under your insurance policy. Most homeowners insurance covers damage caused by storms including wind, hail, and lightning. However, damages caused by floods and earthquakes may not be covered by a standard homeowner’s insurance policy.
There are generally two types of protection that may help you after windstorm damages to your property. The first is “dwelling coverage,” which may help pay for damages to the structure of your property. The second is “personal property coverage,” which may help pay to replace the damaged contents of your home. It’s important to read your policy (including the fine print) to learn what’s exactly covered.
Still unsure of your coverage scope? Call your insurance company directly. When it comes to understanding policy coverage, there’s no such thing as a silly question. Insurance companies have member service representatives who will be happy to assist you.
Damage documentation is a necessary step in order to initiate the claim process after a property loss. Take photos, videos, save news clippings, etc. These become a formal document that provides the insurer with specific information about the incident including its cause, resulting damage, and financial impact. Whatever you do, don’t start the cleanup process until you’ve documented as much as you think is safe. Be sure to wait before cleaning up large messes so a claims adjuster can assess the damage.
While scanning and doing a self-assessment of your own property is important, your insurance provider may find more value in a professional opinion. Storm repair contractors specialize in finding, assessing, and repairing damage. They will ensure you get a thorough overview of what needs to be taken care of and the best course of action to take. If you have the time and means, it’s advised to get estimates from a few experts.
At Sierra Restoration, we want to make sure you get the most out of your insurance claim. If your home or business ever sustains wind damage, be sure to give us a call and we’ll provide you with a trusted and thorough property assessment.