What Should I Do When A Storm Damages My Roof?

When a storm damages your roof, it’s crucial to act promptly and carefully to protect your property and ensure you can successfully file an insurance claim. Here are the steps you should take:

Ensure Safety First:

Before assessing the damage, ensure that it is safe to do so. If there are hazards like downed power lines or severe structural damage, stay away from the area and contact emergency services.

Document the Damage:

Take photographs and videos of the damage from a safe distance. Capture all visible signs of damage, including missing shingles, holes, leaks, and debris. Documenting the damage is essential for insurance claims.

Prevent Further Damage:

If possible and safe, take temporary measures to prevent further damage to your property. This might include covering holes with a tarp or moving belongings away from the affected area. However, do not attempt major repairs, as this could be dangerous.

Contact Your Insurance Company:

Notify your insurance company about the damage as soon as possible. Provide them with details about the storm and the extent of the damage. Your insurance policy may have specific requirements for reporting claims within a certain timeframe.

File an Insurance Claim:

Notify your insurance company as soon as possible to initiate a claim. Provide them with details of the storm, documentation of the damage, and any temporary repairs you’ve made to prevent further issues. Ask about their claim process and how they will handle the inspection.

Be Wary of “Preferred Contractors: Some insurers have networks of contractors they may recommend, but you can choose your own. Ensure your contractor is reputable, licensed, insured, and experienced in storm damage repairs.
Keep Records: Keep records of all communications with your insurer, including emails, letters, and call logs. This documentation can be helpful if you encounter any issues or need to negotiate a claim dispute.

What Happens if My Claim is Denied?

If your claim is denied, review the reasons provided. If you believe the denial is unjustified, you can appeal, negotiate, or seek legal assistance to challenge the decision.

Consult Our Expert Florida Insurance Lawyers if Necessary: If your claim is delayed, underpaid, or denied, our insurance lawyers can review your policy, negotiate with your insurer, and help you explore legal options to protect your right