If you should ever need to file a claim for damages caused by a windstorm, there are steps you can take to ensure that you get the coverage to which you are entitled. The most important thing to remember is to act quickly. Many policies limit the time frame in which you can file a claim for storm damage. Often this is because failure to fix the problems can lead to more damage later.
Immediately after a windstorm, It’s a good idea to take the following steps:
- Record the date of the storm and save news articles about the storm as proof.
- Assess and record all damage that you see from the ground; take pictures and/or video.
- Have at least two reputable contractors inspect your property, especially your roof, for damages. Get written repair estimates from each.
- Contact the claims department of your insurance carrier, provide all information you have gathered and request a visit from a claims adjuster.
- Ask one of your contractors to be present during the insurance adjuster’s inspection to ensure that you receive a fair assessment.
- If your claim is denied, remember that you are entitled to meet with three different insurance adjusters. Request another evaluation.