How to Handle Multiple Weather Events

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How to Handle Multiple Weather Events
Did you ?le a hail claim at the beginning of the
year? Were the repairs complete or not? If so,
you may be wondering whats next. If you didnt
repair the previous damages, then no claim should
be made. If you have new damage, it is best to
gather receipts and have photos of the work done
so that you can prove to your insurance company
that the repairs were complete. This allows you
to be paid for the new roof or windows that were
damaged. The following steps are what you should
do for the new damages.
Step one Document the damages. Take many photos
and videos when you ?rst notice the
damage. Step two Mitigate the damages to
prevent any further repairs to your home. This
includes tarping leaks in the roof, boarding up
broken windows, and clearing debris.
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Step three Have a roofer, someone you trust, or
your public adjuster inspect your home so that
you know the extent of the damages to help
determine if ?ling a claim is in your best
interest.
Step four Make sure to have your full policy.
Know your policy coverages and the deductible
amount. This is helpful because you want to know
if the damages are going to be covered. You also
want to know if the cost to repair will be
greater than your deductible. If the amount is
higher than your deductible, then it makes sense
to ?le a claim. If not, then there isnt a need
to ?le a claim. If you currently have an open
claim, the storm damages would be a new claim as
it is a separate occurrence, so make sure this
is new damage. Step ?ve Dont make any quick
decisions when it comes to restoring your home.
It is common for contractors to go door to door
when a hailstorm comes through. Make sure you are
open to multiple opinions and getting multiple
estimates. At Brown OHaver, we are here to help
in situations like these. We will inspect the
damages and review your policy for you so that
you are able to make the best decision.