Precise Exteriors proudly serves Minnesota and Wisconsin with expert roofing, siding, window, gutter, skylight, and exterior services. In addition to helping homeowners realize their homes’ full potential and curb appeal, we also work with your insurance company to repair covered damage!
Storms can wreak havoc on a home in both big and small ways, so it is essential to examine all parts of your home, including your roof, siding, and gutters, and look for all damage after a storm has passed. Even the most minor issues can turn into big problems for your pocketbook down the road.
Precise Exteriors offers complete storm damage repair services and has specialist crews with the experience to assess your property’s damage thoroughly and accurately. Our crews work directly and professionally with your insurance company to get you the money you are entitled to cover damage to your home after a storm.
We have extensive knowledge of roofs, siding, gutters, windows, and other home improvement needs that may be impacted after a storm. Precise Exteriors can diagnose any potential issues and provide all necessary repairs to restore your property to its original condition.
TYPES OF STORM DAMAGE TYPICALLY COVERED BY HOMEOWNER’S INSURANCE
Navigating the aftermath of a severe weather event can be stressful, especially when it comes to understanding what types of storm damage your insurance will cover. At Precise Exteriors, we work closely with your insurance provider meet all of your storm damage insurance repair needs. Typically, homeowners’ policies cover damage that is sudden and accidental, including:
- Roof Damage: Most insurance policies cover damage caused by hail storms or wind damage that results in missing shingles or punctured roofing.
- Hail Damage: This includes dents and cracks in vinyl siding, roof damage, or broken windows resulting from hail.
- Wind Damage: Damage to the home’s exterior, such as torn-off vinyl siding or downed tree limbs that impact the structure.
- Broken Glass: Windows broken due to debris or high winds are typically covered by homeowners’ insurance.
- Water Damage: If rain enters through a storm-damaged roof or walls, the resulting water damage may be covered.
Understanding these coverage options can help you better prepare to file a storm damage claim should the need arise.
INSURANCE POLICY CONSIDERATIONS BEFORE STORM DAMAGE
Before facing the unpredictability of severe weather, it’s essential for homeowners to thoroughly understand their insurance policy to ensure adequate coverage for storm damage. Here are key considerations to keep in mind:
- Review Your Policy Annually: Meet with your insurance agent annually to review your policy’s specifics. This helps ensure your coverage matches your current needs and that you’re aware of any changes or updates that could affect your coverage.
- Understand the Coverage Limits and Deductibles: Know the limits of what your insurance will cover and the amount of the deductible you will need to pay out-of-pocket in the event of a claim. Ensure that the coverage limits are sufficient to cover the cost of rebuilding or repairing your home at current market rates.
- Check for Specific Clauses on Storm Damage: Some policies may have specific clauses concerning storm damage, especially relating to types of weather events like hail storms or hurricanes. Verify that your policy covers all possible scenarios.
- Know the Claim Process: Understand the steps to file a claim. This includes knowing how to contact your insurer immediately after damage, the documentation required (photos, detailed descriptions), and how to secure a claim number efficiently.
- Consider Additional Coverage for Full Protection: Standard policies may not cover everything. For instance, in flood-prone areas, additional flood insurance might be necessary since typical homeowner’s policies do not cover flood damage. Similarly, consider coverage for additional living expenses if your home becomes uninhabitable after a storm.
- Document and Inventory Your Home: Documenting your home and its contents with photos or videos can be invaluable in substantiating an insurance claim. Keeping an updated inventory of valuable items and their actual cash values can expedite the claim process and help ensure you receive adequate compensation.
Taking these steps before a storm strikes can significantly smooth the process of filing storm damage insurance claims and help ensure that, should the worst happen, the insurance claims process is as straightforward and beneficial as possible.
START BY CONTACTING US FOR HELP AFTER A STORM
If you need to file an insurance claim with your insurance company after a bad storm, we are happy to help! Dealing with an insurance company can be a monumental hassle, so we’re here to stand by you every step of the way. If you would like to enlist our help during your claim process, follow these steps below:
- Contact us first to come out and inspect your home.
- After a thorough inspection, we will give you our recommendation for all the damage we have seen.
- If you have a claim, we will offer you our best advice on pursuing it.
- Our honest assessment of the damage does not guarantee that the insurance company will cover everything.
- We would never want to waste a homeowner’s time, so we will be upfront about it if there is no claim.
UNDERSTANDING THE STORM DAMAGE INSURANCE CLAIM PROCESS
If our inspection proves that your home has sustained some storm damage, there is a process you should follow for the most effective and hassle-free outcome when filing a claim. It’s essential to understand and follow these steps so that the insurance claim process can be as smooth and hassle-free as possible:
- Contact your insurance company agent and report that you may have storm damage to your home.
- Your insurance company will then contact you with the name and phone number of an adjuster, along with the scheduled date and time that the adjuster will be stopping by to inspect your home. Contact your field representative with this information. To look out for your best interests, we need to meet with your adjuster and come to an agreement on the full scope of the damage to your home.
- After meeting with your insurance adjuster, you need to send a copy of the insurance summary to our field representative to let us know what work the insurance company will be covering on your home and to set up a time to select the products and colors to be used on your home.
- Once we have a copy of the summary, we can pick the type of materials you need, and then the project can be scheduled. We will guide you through the process of selecting the best materials to fix your damage. This includes shingles, siding, gutters, etc.
- Upon completion of your project, our inspector will examine the completed work and pick up any leftover materials.
- When your project is deemed completed, a final invoice will be sent to you and your insurance company. After you receive the second and final check from the insurance company, the invoice balance is due.
When your home is damaged in a storm, we will be your ally in dealing with your insurance company and making sure every aspect of your home repair is handled. We strive to provide you with efficient, reliable service so that you know your home repair is being handled professionally and thoroughly.
CONTACT US FOR STORM DAMAGE HOME REPAIR IN MINNESOTA AND WISCONSIN
Precise Exteriors understands that dealing with your insurance company after a storm can be overwhelming, but we are here to help you. Our highly-trained professionals are committed to assisting you and providing the best solutions for your home improvement needs. We will make sure all paperwork is handled correctly and expeditiously so you can get back to living life without worrying about your home’s storm damage.
Precise Exteriors knows the importance of caring for your home and is here to help you protect it. We will assist you in making sure claims and repairs are taken care of promptly so your property returns to looking its best as soon as possible. Call today for all your home improvement needs.
