Everything you need to know about storm damage and insurance claims

Your roof can still sustain damage even when a storm produces no rain or hail. Strong winds can create stress points on a roof that, over time, can weaken and become compromised. If you have roof damage caused by wind and/or flying debris, it’s important to get it fixed immediately. The longer you wait, the more damage will occur.

We have trained professionals that can help you determine if you need a repair or a replacement. This is covered by your home-owners policy. We will work with your insurance step-by-step to cover the cost. Schedule your FREE assessment now.

1. Before you file a claim

If you think your roof or property has been damaged by a storm, contact a reputable company, like Link Exteriors, to come out and provide an inspection of the roof. Link Exteriors will come out and check for damage and let you know our findings. Using a reputable contractor will ensure that any work done is the highest quality with the best warranties.

2. Meet with your contractor

Next, schedule an inspection with the selected roofing contractor. You want to do this before an actual claim is filed. Click here to read about how storm damage insurance claims work.  The damage may not be as great as you think. If it is less than, or close to, your insurance deductible, filing a claim may not be in your best interest. Filing unnecessary claims may cause your insurance company to raise your rates or even drop your policy.

3. File your insurance claim

If the contractor’s estimate warrants filing a claim, do so now. Your insurance company will most likely schedule an adjuster to inspect your roof to approve and process your claim. Schedule a time when your contractor can also attend this inspection. It is very important that a contractor is present with the insurance adjuster. The claims specialists at Link Exteriors are your advocates during the insurance inspection.

4. Meet with your adjuster

Insurance adjusters have a home inspection checklist they will follow when determining the damage done to your home. Your roofing contractor will be able to represent your needs and make sure that the adjuster is aware of all damaged areas. Having an experienced and professional company represent you during the inspection will increase your claim value and avoid any negative interactions.

5. Claim approval

Once your insurance claim is approved, go over the details of the insurance coverage with Link Exteriors. This will allow you to ask any questions you need regarding the work and the warranty the roofing contractor will provide. This is where the claims specialists at Link Exteriors can help you understand everything the insurance company is covering.

6. Time for your project to begin

When you have received the answers to your questions, sign the contract with Link Exteriors and get your roof replacement scheduled. Your insurance company will provide payment directly to you. You will be responsible for paying the insurance check, depreciation and deductible to Link Exteriors. Link Exteriors will supply any necessary information for you.

We Are Your Storm Damage Experts!

Schedule your FREE assessment now.


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