Between high winds, pounding rain, and flying debris, storm damage to your home can happen fast. And after the skies clear, the emotional and financial weight of what comes next often feels heavy, particularly when trying to interpret insurance policies or handle claims.
Fortunately, Liberty Restoration Group works alongside homeowners throughout every step of the claims process, providing clarity, professional insight, and dependable support when it matters most. Reach out today to learn how our team can guide you through the insurance coverage process and provide the restoration services to get your property back to normal after storm damage.
Types of Storm Damage Typically Covered by Homeowners Insurance
Homeowners’ insurance policies generally cover damage from specific weather events, often referred to as “perils.” Wind damage is a common component of this coverage, covering damage done to the roof and siding from the force of powerful gusts. Hail is another peril frequently included, with coverage extending to dents, cracks, and punctures on your roof, windows, and siding.
Your policy likely also protects against damage from falling objects, such as tree limbs that might land on your house during a storm. It is essential to note that while these are typical coverages, every policy has its own specific terms and limitations that determine the extent of the protection it provides.
Reviewing Your Policy: What to Look For
To truly grasp your coverage, you need to examine the details of your insurance policy. The declarations page is a good starting point, as it summarizes your coverage limits and deductibles. (The deductible is the amount you will pay out of pocket before your insurance benefits begin.)
You should also carefully examine the section on “covered perils” to see exactly which types of storm damage your policy includes. Pay close attention to any exclusions, which are specific situations or types of damage that your policy will not cover. Understanding these details beforehand will empower you during the claims process and help you set realistic expectations about your financial responsibility.
Common Challenges When Filing a Storm Damage Claim
Filing a storm damage claim is not always straightforward, as homeowners can encounter several hurdles along the way. One significant challenge is dealing with policy exclusions, such as specific types of water damage or damage deemed to be a result of pre-existing maintenance issues.
Another common difficulty is a disagreement with the insurance adjuster’s assessment of the damage’s scope and cost, which can result in a settlement offer that is lower than what is necessary for proper repairs. You may also encounter delays in the processing of your claim, which can be particularly frustrating when you are eager to begin restoration work. These potential obstacles highlight the value of having a knowledgeable advocate on your side.
Steps to Take Immediately After Storm Damage Occurs
Your actions in the immediate aftermath of a storm are critical for both your safety and the success of your insurance claim. First, prioritize the well-being of everyone in your household by checking for any immediate dangers, like downed power lines or structural instability. Once it is safe to do so, you should take steps to mitigate further damage, such as placing a tarp over a leaking roof or boarding up a broken window.
Documenting the damage thoroughly with photographs and videos from various angles will provide crucial evidence for your claim. Finally, you should contact your insurance company as soon as possible to report the damage and initiate the claims process.
How Our Restoration Contractors Can Help With the Claims Process
Liberty Restoration Group offers more than just exceptional siding and roofing replacement work; we provide invaluable assistance with the often-confusing insurance claims process. Our experienced team can conduct a detailed inspection of the damage, creating a comprehensive report that accurately reflects the full scope of the necessary repairs.
We can then meet with your insurance adjuster on-site to review our findings, ensuring that all the damage is properly assessed and accounted for. We will also prepare a detailed estimate using industry-standard pricing software, which can help substantiate your claim and facilitate a fair settlement. Acting as your advocate, we can help you navigate the paperwork and communication with your insurance company.
Why Timing and Professional Help Matter
When it comes to storm damage, time is not on your side. Delaying repairs can lead to more significant problems, such as water damage that worsens over time, mold growth, and rot. Promptly addressing the damage is also important for your insurance claim, as most policies have time limits for filing.
It’s also helpful to note that attempting to navigate the claims process and manage repairs independently can be a recipe for disaster and may potentially result in a less-than-optimal outcome. Working with a proficient company like Liberty Restoration Group from the outset provides you with the expertise needed to properly assess the damage, deal with the insurance company effectively, and ensure that your home is restored correctly.
Storm Damage? Call for Restoration Services & Insurance Assistance
Dealing with the aftermath of storm damage to your home is never easy, but you do not have to go through it alone. Liberty Restoration Group is passionate about assisting homeowners in our community with their recovery and rebuilding efforts. Specifically, our trained professionals will provide you with high-quality restoration services and expert guidance through the insurance claims process, so you can obtain a fair settlement and restore your home to its best condition.
If a storm has affected your property, contact us today for a thorough inspection and compassionate assistance.
