Mistakes to Avoid When Filing a Storm Damage Claim
Harsh weather events can cause severe damage to your property, which may involve costly repairs. Some homeowners go through a long insurance claim process to recuperate their restoration costs only to find that they have been denied or are underpaid.
In this post, your local full service restoration company, Kat Construction, discusses mistakes you should avoid when filing a storm damage insurance claim.
1. Not Filing a Claim on Time – Immediately call your insurance provider and file a claim if your home or business experienced damage from a storm. Know the policy of your insurer regarding deadlines for filing a storm damage claim. Keep in mind that every policy is different and should be followed accordingly to avoid being denied.
2. Not Performing Temporary Repairs – It may take a few days before an adjuster visits your home for an inspection. Most policies require that while your claim is being reviewed, you must mitigate the storm damage. Place a tarp on your roof and cover up damaged windows so rainwater won’t enter your home.
3. Not Documenting the Storm Damage – Capture photos of all areas in your home that was affected by the storm. There is a chance that your adjuster isn’t that experienced with storm damage claims. At Kat Construction, our restoration professionals will perform a thorough inspection of your home and document the findings to help you file a claim. Our claims specialist will be there during your adjuster appointment to ensure a fair damage assessment.
4. Accepting the First Offer – It’s understandable that you just want to get the tedious process over with, but it’s a common mistake to accept the first offer your adjuster makes. You can decline the first offer, especially if it’s significantly lower than your actual expenses. Provide your provider with repair quotes and pictures of the damage.
Contact Kat Construct for fast and efficient emergency restoration services. We will work with your insurance provider to get your claim processed and your home restored quickly. Call us at (612) 260-1144 or complete our online form for a free inspection. We assist homeowners in St. Paul and Rochester, MN.