Constant exposure to the weather wreaks havoc on the exterior of your home. Storms blow through Indiana year after year, pelting your home with rain, lightning, snow, and ice while you’re safely sheltered inside, worrying about the damage caused outside—and how you’ll pay for it. After the storm passes, will you survive the economic storm of recovery?  Will your insurance cover the cost of missing shingles, the havoc fallen tree branches cause, and other possible damage?

INSURANCE POLICIES AND WIND DAMAGE

Most homeowner’s insurance covers storm-related damage (except for flooding). Your policy explains your exact coverage, including the details regarding damage caused by hail, wind, and wind-driven water. For example, if wind-driven rain enters your home due to storm damage to your roof or exterior walls, your policy may provide compensation for damage to the interior of your home. Or if a storm causes a tree or a branch to damage your home, your homeowner’s policy may cover this as well. The type of damage your policy covers depends on many factors. Examine your policy carefully and contact your insurance provider to understand exactly what your homeowner’s insurance covers—and what it doesn’t.

HOW MUCH WILL YOU RECEIVE FROM THE INSURANCE COMPANY?

Your insurance company and your specific policy will determine the amount of compensation you’ll receive. Some insurance companies pay to repair the damaged area fully or to replace a roof completely, while others consider your roof’s age and level of maintenance before writing your reimbursement check. Such companies may lower your compensation based on the depreciated value of your roof, particularly if it’s at least 10 years old. More than a few policies list specific exclusions for a roof’s wear and tear, based on its age and lack of maintenance, that allow the insurance company to deny all claims and refuse to pay for any resulting damage.

RECEIVING COMPENSATION FROM THE INSURANCE COMPANY

Documentation. All insurance companies require it, and today’s technology makes it easier to obtain, safeguard, and submit this essential information. After disaster strikes, promptly photograph or video all the damage to your property that you can see from a safe distance. To avoid injury, let our experts at ERS Roofing take pictures or video of your damage while we inspect. Enlisting a trusted expert to give you a professional estimate of all the repairs your roof needs instead of relying solely on an insurance inspector is a good practice.

File your insurance claim as soon as you can, submitting photos of all estimates, invoices, and expenses as well as a copy of the before-and-after property images you recorded. If you need help dealing with your insurance company, our experts have managed hundreds and hundreds of claims – rely on our experience.

Following these steps will facilitate receiving the funds you need to restore your roof and other property after a storm.

Schedule a free, no-pressure inspection now by calling 317.643.1207, or book online at http://expertrestorationservice.com.

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