So here we are, a few days post storm. High winds, tornados and hail have all impacted our area in a pretty short amount of time. Now that everyone is safe, the trees are cleared, the roads are unblocked and your power is back on, it is time to assess the damage to your home.
It usually goes in this order:
- You analyze the damage to the roof, siding and gutters.
- You make a call (or use the app) to your insurance company and they start a claim.
- The insurance adjuster comes out (in storms like these, they may not be a local adjuster due to the volume of claims).
- You receive information in the following days about what they will repair.
- A contractor is notified by the adjuster and you are set up for your repairs.
However, many homeowners don’t realize that they have a choice when it comes to selecting the contractor to complete their work. Why is this important?
- Your local contractor will be accessible well beyond the storm in the event you have a question for them.
- After storms like this, many roofing companies come from other states to repair as many roofs as possible. Once the repairs are done, they are no longer local.
- Your local contractor is working on your behalf, not the insurance company’s. This means that additional damage discovered from the storm that the adjuster may have missed, is pointed out and turned in as part of the claim.
- In some cases, contractors that work with insurance companies use all sub-contracted companies to complete the actual repairs. Your local contract generally has employees of the local company completing the work.
Understand your options and don’t hesitate to let the adjuster and your agent know who you would prefer to complete your repairs.