Severe weather can leave behind costly damage to your home, from missing shingles to broken siding or water intrusion. When this happens, one of the first steps is to file a storm damage insurance claim. However, knowing what to expect before you begin can save you time, money, and frustration.
The first step in any claim is documentation. Take detailed photos and videos of all visible damage, including roofing, gutters, siding, windows, and even landscaping if it was impacted. Be sure to capture both close-up and wide-angle views. This will serve as proof when you file your claim and help avoid disputes later. Keeping a record of any temporary repairs you make, such as tarping a roof, is also helpful for your insurance company.
Not all insurance policies are the same. Some cover only certain types of storm damage, while others exclude wind or flooding. Review your homeowner’s policy to understand the extent of your coverage before contacting your provider. This will give you a realistic idea of what compensation you may receive. If you’re unsure, ask your insurance agent to explain the details in plain terms.
Before filing, it’s a good idea to have a professional contractor assess the damage. Insurance adjusters may not always catch everything, and having an independent inspection ensures nothing is overlooked. A licensed contractor can provide a detailed report that strengthens your claim. Working with a trusted company experienced in storm restoration is key to avoiding unnecessary delays or disputes.
After a storm, it’s common for unlicensed contractors, often called storm chasers, to knock on doors offering quick repairs. While tempting, these companies may do low-quality work or disappear once paid. To protect your home and claim, always choose a local, established contractor with proven experience in storm restoration. This ensures the work is completed correctly and your insurance payout is used wisely.
Filing a storm damage insurance claim may feel overwhelming, but proper preparation makes the process smoother. By documenting carefully, knowing your coverage, getting a professional inspection, and working with a reputable contractor, you can restore your home with confidence.
When your home suffers storm damage, trust Nuss Construction to guide you through the process and restore your property with expert care. Call us today at (856) 988-9982 or fill out our online form to get started with your claim support and repairs in Marlton, NJ.