A Guide to Properly Filing Insurance Claims
It’s always a good idea to have home insurance. After all, with increasingly extreme weather events, like hailstorms, you never know what could happen. But you need to follow certain procedures while filing claims, and these start from the moment your home gets damaged right up until your insurance company pays for the repairs.
To make sure the full extent of your insurance coverage stays intact, it’s important that you follow these steps. KAT Construction, a top full service restoration company, outlines the filing process and lists the mistakes to avoid below.
Document Hail Damage
Don’t attempt to fix the damage to your home. Not only will you potentially further damage your home, but you’ll also be effectively reducing your coverage.
Instead, document or take pictures of the extent of the damage. Be sure to take note of specific details, like the time and date your home was damaged.
Finding a Contractor to Inspect Your Roof
After taking pictures of the damage, it’s time to get a more detailed analysis. Have a contractor or any of your local restoration professionals inspect and assess your home.
Make sure to do your research and only hire licensed and experienced professionals. You need to be especially wary of contractors who knock on your door and offer to fix your home right after a storm. These are most likely “storm-chaser” contractors who are notorious for their quick, shoddy repairs.
File the Damage Claim After Securing the Necessary Documents
Once you’ve documented and had a contractor assess the damage to your home, it’s time to file the claim with your insurance company. It would also be a good idea to keep track of the representatives you’ll be talking to over the process. That way, you can reduce the possibility of delays.
KAT Construction, a contractor with nearly a decade’s worth of experience, offers emergency restoration services. To get a free storm inspection, call us at (612) 260-1144 or fill out this form. We serve homeowners in Rochester and St Paul, MN.