Storm Damage Columbus Ohio
If your home is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of a homeowner's insurance claim for storm damage. Your agent will then advise you on proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It’s important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for storm damage. Insurance companies will usually authorize emergency tarping of any ruptures in the exterior siding or roofing of the house.
After the initial contact with your insurance agent, you should receive a letter or telephone call from their department which handles insurance claims for storm damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until your hear from your insurance agent. The adjuster may, however, provide you with a scope of work (similar to an estimate) detailing the cost to repair any damage that your house has sustained during a storm.
Once you receive the scope from your insurance company, you may begin the process of contracting the work out to a professional. If you choose to hire a professional, ask them to provide you with a projected cost once they have reviewed the damage. During your initial conversation, explain that the funds will come from your insurance company’s claims department, which handles the payment of roofing insurance claims for storm damage. Provide the projected cost information to your insurance company for processing. Depending on the company’s policy, the funds may be paid upfront or after the job is complete. More likely, the payment will be split into two payments, one at the beginning and one upon completion of the job. If any money is held until completion, have a certificate of completion and final invoice sent to the insurance company for final payment.
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