Front Royal: (540) 252-4504 // Woodbridge: (571) 926-6046

Few people enjoy dealing with insurance paperwork.  

A storm may roll in and blow your shingles away but it won’t blow away repair bills.  Wind damage can affect not only your roof but also your windows and the siding and exterior of your house.

Figuring out how to navigate wind your wind damage insurance claim can be confusing and daunting.  Be sure to get the compensation you deserve to repair your home or business.

Where should you start?

Document the Damage

Be observant and attentive to detail.

Write down a list of visible damages and safely inspect the affected area.  Take pictures of the impacted areas and create a record of all of the damages to your home so that you have concrete proof to show your insurance company to help you get the compensation you deserve.  

It maybe be helpful to gather some video footage during the storm (though not at risk to your person) to have concrete examples of the storm’s severity.

Also be sure to have some “before” photos of your roof in it’s previous undamaged state so that an accurate comparison can be easily made.

Get Estimate From Roofing Contractor

Know the value.

Before filing your wind damage insurance claim to your insurance company, get a consultation from a roofing contractor to estimate the monetary value of the wind-damaged materials.

Make sure they inspect all the potentially damaged areas such as the roofing, siding, and windows to make sure nothing is overlooked.

Don’t wait to get an estimate from a contractor once there has been wind or storm damage to your roof.  Contact them immediately so that they can observe the damage as soon as possible to get an estimate on the full extent of the damaged.

Knowing the value of the damaged area and the estimated costs of materials for repair are important to making a well informed insurance claim.  It is always better to be well-informed and prepared especially when dealing with insurance claims and home damage.

Know Your Stuff

Your insurance company will expect your to provide all of the necessary information when claiming wind damage insurance.  That is why documenting the damage in an important step to make sure they can process your claim with the most accuracy to get you the payout you deserve to repair your roof.

Submit Claim To Insurance Company

Don’t know what your policy covers?  Ask.

Get in touch with your insurance provide prior to filing your wind damage claim so you know your coverage and exactly what compensation you should be receiving.  Some policies may cover a complete roof replacement while others might only be willing to match the cost of the wind damage inflicted by the elements.  

Most insurance providers have a limited window of time for you to claim damage after an event like a storm, so don’t delay.

The insurance claim process is sometimes long and tedious but don’t let all of the paperwork and confusing steps keep you from getting the insurance payout you need to fix your wind damage.  

Usually you are allowed to meet with up to three insurance adjusters, so don’t fret if your first claim is denied.  Persevere!

Inspection By Claims Adjuster

After filing your wind damage claim, an inspector will be sent to your home to verify the damages.

This inspection is done partly to make sure the damage is legitimate and that your claim is honest.  This process also helps verify that the damage is indeed wind or storm damage and not just the gradual wear-and tear that comes with being exposed to the elements over time.

You can insist that the contractor that provided you the damage value estimate is present during the claim adjuster’s inspection.  This way you will have someone in your corner with expertise on the value of the wind damage who can ensure you don’t get take advantage of. 

Make sure the insurance claims adjuster thoroughly examines all the damaged area so that they see everything needed to get you a fair settlement.

Still a little confused?

Don’t worry.  Insurance claims aren’t easy.  If you have any questions, be sure to call American Dream Restoration at one of our local offices (Front Royal, Woodbridge, Winchester).

Our roofing and storm damage professionals will be happy to answer any of your questions.

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