- 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.
What Is Windstorm Insurance?
- Windstorms can have wind speeds in excess of 200 miles per hour
- Heavy winds cause about $1 billion in damages in the United States every year
- Approximately 85% of all windstorm-related insurance claims are due to roof damage
Insurance Claim Tips Following a Storm with Heavy Winds
Your independent agent is an advocate for finding Windstorm Insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- Is Windstorm Insurance mandatory? Do I really need it?
- If I have flood insurance, isn’t that all I need?
- Is the house currently insured for wind and hail insurance?
- What is the claims history on this house? What repairs have been made?
- Can I insure just the roof?
- Who can conduct windstorm inspections?
- What if the house does not pass inspection? What is my alternative/next step?
Please feel free to contact us for a free no obligation quote. Someone will get back to you within 24 hours.