Insurance Claims Process
Filing a storm damage insurance claim can be a frustrating and confusing process.
Step 1: Assess the storm damage. Record the date of the storm, signs of damage you can see from the ground, and take pictures of any damage. Search online for news stories of the storm hitting your area, so you have proof if it is ever required.
Step 2: Contact a reputable contractor to perform a full property inspection, including the roof, windows, siding, AC units, screens, concrete and all other exterior surfaces.
Step 3: Read your insurance policy carefully and contact the claims department of your insurance company directly. Be prepared to provide pictures, and the estimate from the contractor.
Step 4: Request an insurance adjuster inspection. Your contractor should be present during the adjuster inspection. Your contractor's job is to make sure the adjuster plays fair, and provides you with a fair assessment. Remember, the insurance adjuster works for the insurance company. At Halo Construction, we work for you.
Step 5: If your claim is denied, don't worry. You are entitled to meet with three insurance adjusters. Remember, even a small amount of damage should result in an approved claim. Any type of damage can devalue your home and damage should be fixed immediately before it leads to greater damage down the road.
Step 6: Once your claim is approved your insurance company will send you 2 separate payments. The first payment, or materials deposit, covers the cost of materials.
Step 7: After your materials are delivered, Halo Construction will get to work.