When a storm hits, our team comes together to track the progress of the storm and identify damaged property. We then offer inspections for those who have been impacted and repair the storm damage with high-quality materials from suppliers like IKO, Owens Corning, PlyGem, James Hardie, LP Smart Siding, and Continental Siding.
If you notice a leak, missing shingle, loose siding, broken window, or any other type of damage on your home, schedule an inspection with a reputable contractor. They will provide you with recommendations and a bid for completion of the work.
After a large storm, inspect your home and determine if your roof, siding, gutters, or windows have any visible damage. If you identify storm damage, call your insurance provider and report the damage you find. Your provider will send out a company representative to inspect the damage and report what they find. The insurance company will provide you with additional steps in their process of filing a claim.
If you need a contractor to perform work on your home or commercial building, select a few companies based on referrals or research and interview them or request bids for your project.
A contractor will be needed to perform the insurance-approved work. Property owners can select whichever contractor they prefer to complete the work based on the approved scope of damage from the insurance company. Select a contractor based on referrals and research and make sure you have a contract in writing before work is started.
Bids received will vary from contractor to contractor. Costs will vary based on the contractor’s experience and operating costs, difficulty of work to be performed, and quality of materials used. Select the bid that best fits your budget
The costs for the project that are part of an insurance claim will be based on the damages and costs agreed to by the insurance company. Typically, your contractor will work with the insurance company to discuss all damages and repairs needed to bring your home back to pre-storm condition. Out of pocket costs are dependent upon different things, but would at minimum be your deductible and any upgrade options that you may choose.
Deductibles are not used for a retail project, however, some contractors do require a deposit to begin work with the balance due upon work completion.
A deductible is your share of the costs to complete the work, much like a co-pay for a doctor’s visit. They must be paid by the property owner. It is a violation of insurance laws to waive or rebate any portion of an insurance deductible and is considered insurance fraud.
Completed work on a retail project will be the scope of your choosing.
When your project goes through insurance, the contractor will receive a list of work that needs to be completed. This work needs to be completed and reported to the insurance company before it can be insured.
Repairs and/or replacement work needs to be completed immediately if there are any active leaks.
The insurance claims process may take some time. If there is an active leak, call your contractor for assistance with temporary patches or emergency tarping to help mitigate interior damage until the insurance process is complete and repair/replacement can be performed.