6 Tips for Making a Storm Related Insurance Claim

6/4/2018 (Permalink)

Sometimes Mother Nature likes to shake things up a little. If your home didn’t weather a storm as well as you hoped it would, we’ve got some tips to help you file an insurance claim for storm damage and get back on track quickly. Here’s where you should start.

Act quickly. Making a claim to your insurance company for damage in a timely matter is important for a couple reasons. Most insurance policies limit your time to file a claim, which makes being quick to connect essential. You’ll also want to repair the damage before it has a chance to get worse, so reporting your claim early is the best approach.

Review your policy. If you know what your homeowners policy and optional insurance covers, how to proceed and what you can expect from the process, you’ll be better prepared to plead your case. Every insurance policy and claim is different. Reviewing your policy gives you information that specifically applies to you.

Document everything. It’s smart to keep a log of the storm and the damage. Save news reports and take pictures immediately after to document any damage.

Get quotes from professionals. While your personal walk around and assessment is important, a professional opinion will be thorough and may mean more to your insurance provider. A great resource would be a storm repair contractor. They specializes in finding, assessing and repairing damage from storms and will check your home from roof to basement. 

Be wary of scammers. Unfortunately, storm damage can bring scammers to your area with promises of quick and cheap repairs. Whether you’re filing an insurance claim or not, research anyone who offers to repair your home. Look for contractors who are licensed, insured and experienced.

Mitigate your damages. If the storm affected a large area, you may have to wait awhile before a storm assessor can review your damage and maybe even longer before you can get it fixed. In the meantime, you’ll want to take steps to prevent further damage. This could include tarping your roof, cleaning a wet basement, boarding up holes and more. Document the damage, then document how you’re taking steps to protect your property.

SERVPRO of Southeast Portland can assist with all your storm damage needs. Call us at (503) 427-9535