When a home is damaged during or after an extreme storm, it can be challenging for homeowners to know their options and how they should fix the problem. Whether the damage is caused by high winds, flooding, or even heavy rain, you will likely need to file a claim with your insurance company.
Having a clear understanding of what is and is not covered by your insurance policy can help to make the work a little less stressful. In such a situation, insurance claim experts can be a big help. They know how the storm damage insurance claim process works and can help you get the most out of your policy.
What is Storm Damage?
Every storm is different, and so is the damage they can cause. Any damage caused by a storm or severe weather conditions can be classified as storm damage. This includes damage from high winds, tornadoes, hurricanes, severe thunderstorms, and even flash flooding.
Common Types of Storm Damage
Most insurance policies cover a few different types of damages. These include:
- Wind damage: High winds can cause trees to fall on your home, tear off shingles, and even break windows. It is important to note that wind damage is only covered if the storm causes it, not by flying debris.
- Flood damage: Another common type of damage is flooding. This can be caused by storm surges, heavy rains, or flash flooding. Such damage is not covered by standard home insurance policies and will require a separate flood insurance policy.
- Hail damage: Hail Storms can cause a lot of damage, especially to roofs and windows. If your home is damaged by hail, your insurance policy will likely cover the repairs.
- Tornado damage: Tornadoes can cause a lot of damage, and if your home is in the path of one, you will probably need to file a storm damage insurance claim. Most policies will cover tornado damage, but there may be some exclusions depending on the policy.
- Hurricane damage: Hurricane damage is typically caused by high winds and storm surges. It happens when a hurricane makes landfall and can cause severe damage to homes in its path. Most insurance policies will cover hurricane damage, but some may exclude storm surge damage.
Benefits of Hiring an Insurance Claim Expert
Following are the benefits of hiring a storm damage insurance claim expert:
- Understand your policy: Insurance policies can be confusing, and an expert can help you understand everything about the procedure.
- File a claim: An expert can help you file your claim and ensure that all necessary paperwork is completed.
- Get the most out of your policy: An expert will know how to get the most out of your policy and ensure that you get the coverage you need.
- Save time: Filing an insurance claim can be time-consuming. But an expert can help you save time as you don’t have to deal with the paperwork alone.
- Reduce stress: Dealing with storm damage can be stressful, but an expert can help take some load off you.
An insurance claim expert can help you save time and money by handling the damage claim process. They will deal with the insurance company on your behalf and ensure that you get the most out of your policy.