How Do Storm Damage Insurance Estimates Work?

One of the toughest ordeals a homeowner can run into is encountering heavy storm damage to their roof. This is because it’s difficult to assess their roof’s condition due to the situation and the other natural hazards in place such as slipping, falling branches or a roof collapse. Luckily, you can have an insurance provider to cover you in case your roof is damaged by a storm.  

Rest easy as in today’s post, Worther Bros. Inc explains how insurance estimates work for storm damage claims.

  1. Inspect the Vicinity. After the situation has calmed down, make sure it’s safe to go outside to document the damaged parts of your home and make a list of the damaged components that need to be repaired or replaced. You can even keep some of the damaged parts and keep them in a safe place as proof to be submitted to your insurance provider later on. If you’re still unsure of what to look out for, contact an emergency roofer who’s familiar with the storm damage insurance claim process. This is also a great opportunity to compare their breakdown against your adjuster’s to see how they stack up.
  2. Ask for A Statement of Loss. Once your insurance adjuster arrives, immediately ask for a statement of loss copy from them. It’s important that you are present to receive this document when it’s written. This document shows the approximate cost to replace or repair each item. It’ll be given to you after they’ve finished inspecting the band-aid roof repair you’ve done and other parts of your home. 
  3. Gather Your Repair and Replacement Estimates. During this time, you’ve probably asked quotes from multiple companies. Afterwards, gather them and submit them to your insurance company together with your claim. Once your claim has been approved, the depreciation column will be adjusted to match the actual cost of the project. If there is an excess, a check will be sent to you to cover for it.

Looking for a professional roofing company that can help you with storm damage repairs and insurance claims? Here at Wortham Bros. Inc, it’s our goal to do our duties in an extraordinary manner and work diligently to create a great relationship with our clients through excellent workmanship and customer service. Call Wortham Bros. Inc at (972) 960-3135 or fill out our contact form to schedule an appointment. We serve clients in Allen, McKinney and the rest of TX.

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