Storm season is upon us! Is your home ready?
There has been a minor change in the way homeowner insurance policies work that could have a major effect on you as a homeowner.
The way to file a storm damage claim has changed, and as we enter the stormy season of spring, we want you to be prepared.
It used to be that, if you had storm damage, you had a certain amount of time to file a claim from the point in time that you noticed the damage. Now, you only have so much time to file the claim from the point in time that the storm damage occurred.
We recommend, before the storms hit this year, that you go out and check your roof or siding for any damage that may have happened from storms passed. That way, you will have a clean slate to start with incase additional damage occurs this storm season.
If you do notice some storm damage on your home, we have a few tips on making a storm related insurance claim.
Act Quickly. As we mentioned before, making a claim to your insurance company for damage is a timely matter. Most insurance policies limit your time to make a claim, so the sooner you do it the better. Plus, if you do have damage, you want that fixed before more damage occurs.
Document everything. Keep a log of the damage. And as we head into storm season, it may be smart to keep a log of when severe weather occurred. You also want to take pictures of any damage you may have.
Review your policy. You need to know what your homeowner’s policy covers, any optional insurance coverage, and how the process to file a claim works. This makes it easier to plead your case when something happens. All policies can differ, so understanding yours is important.
Get quotes from professionals. A professional assessment on the damage is more thorough and probably means more to your insurance provider. They specialize in finding, assessing and repair damage from storms, giving you a clear understanding of your damage. If you can, try to get quotes from a few experts.