Storm damage can be a headache, and the process of filing a claim and repairing your home can be daunting, especially when dealing with insurance adjusters and contractors you don’t know. If you’re like me, your home matters to you, and the people you hire to protect it need to be top-notch. Knowing how to navigate these processes is essential in ensuring that you receive adequate compensation and that the repairs are done to your satisfaction.
Here are my eight tips for dealing with insurance adjusters and contractors after storm damage:
UNDERSTAND THE CLAIMS PROCESS
Understanding the claims process is essential to dealing with insurance adjusters after storm damage. When you file a claim, your insurance company typically requires you to provide details on the extent of the damage, including photographs and videos, as well as an inventory of any damaged items. Be sure to document everything carefully to ensure that you receive adequate compensation.
In some cases, the insurance company may want their adjuster to inspect your property and assess the extent of the damage. The adjuster will typically request access to all areas of your home affected by the storm, and they may ask you questions about the damage. It’s essential to be honest and provide as much detail as possible to help the adjuster accurately assess the property.
Once the adjuster completes their assessment, they will prepare a report detailing the damage’s extent and the estimated repair cost. The insurance company will use this report to determine the amount of compensation you’re entitled to.
It’s important to note that the claims process can take time, and it’s not uncommon for insurance companies to deny or undervalue claims. If you need help with your insurance company, feel free to seek the help of a competent contractor.
Of course, I suggest you call Home Repair Service at 205-358-4963, as we have tons of experience dealing with the insurance process and can negotiate to get you the coverage you’re entitled to.
A great contractor can help you negotiate a higher payout in most cases. Adjustors typically only include what’s damaged and don’t include adjacent materials that have to be replaced due to the damage. For example, they may allow for a small amount of flooring to be repaired, but old carpet and new carpet never match. A good contractor can help the adjuster understand what’s truly needed. In addition, a good attorney can help you navigate the complex insurance laws and ensure that you receive adequate compensation if you’re still having trouble negotiating.
HOW TO CHOOSE THE RIGHT CONTRACTOR
Choosing the right contractor is one of the most critical steps in repairing your home after storm damage. A reliable and experienced contractor will ensure that the repair work is done to your satisfaction and that you get the most from your insurance claim. Use the list below to ensure you’re asking the right questions so you find the best contractor for the job:
Look for an insured contractor: This means they will have “General Liability,” “Commercial Auto,” and “Worker’s Compensation.” General liability will protect you from any liability in case of damages during the repair process. Commercial auto will protect you if a vehicle causes any damage. Worker’s compensation is the most important because it protects you if a worker is injured while at your home.
Look for a licensed contractor: To pull a permit, every contractor needs a license. Permitting is the only way for a homeowner to ensure the work being done in their home is up to code and won’t cause costly problems down the road. Alabama requires all contractors doing work above the cost of $10,000.00 to educate themselves and pass the Home Builders exam to obtain the proper license. Contractors must have this education to take on any significant project, which protects homeowners from unknowingly hiring untrained and unqualified contractors.
Check their experience: Choosing a contractor with ample experience in storm damage repair is essential. A contractor who has been in business for several years will have the necessary skills and knowledge to handle any unforeseen issues that may arise during the repair process.
Verify their qualifications: Verify the contractor’s qualifications by checking their credentials and licenses with the relevant authorities. This will give you peace of mind and ensure you work with a qualified professional. In addition, make sure the contractor has an actual office that you can visit anytime you like to eliminate the worry of getting ghosted by someone.
Following these tips will make you more confident knowing that you’re choosing the right contractor for the job.
Document the Initial Damages
Documenting the initial damages is one of the most crucial steps in dealing with storm damage to your home. Taking photos and videos of the damage will help you provide accurate information to your insurance company and contractor during the claim process. Here is an easy checklist of what to document:
Exterior Damage: Take photos of the exterior of your home, including any damaged roofs, gutters, windows, doors, and siding. Take pictures from far away and close up. Look for minor details like cracked caulk or brick, missing paint, wall scrapes, and discoloration. Take note of downed power lines or fallen trees on your property.
Interior Damage: Document any damage to the interior of your home, including walls, floors, ceilings, and fixtures. Take photos of any damaged furniture, appliances, or personal belongings. Detail what rooms are affected on a quick floor plan drawing to help you and the adjustor see how the storm damage impacted the home.
(Very Important) Structural Issues: Look for structural issues, such as cracks in the foundation or walls, and document them thoroughly. These damages can be costly to repair, so it’s crucial to have thorough information to avoid paying out of pocket down the road.
Water Damage: If your home has suffered water damage, take photos of any affected areas, including carpeting, drywall, or furniture. Water damage leads to mold growth and other issues, so it’s essential to document it carefully.
Safety Hazards: Document any safety hazards, such as exposed electrical wires, gas leaks, or damaged support beams in the attic. Have a contractor address these hazards immediately to prevent further damage or injury.
Time Stamps: Be sure to include timestamps on all photos and videos taken to help establish when the damage occurred and provide an accurate record for all parties.
By documenting the initial damages thoroughly, you can provide accurate information to your insurance company and contractor and ensure that you receive adequate compensation. Remember to keep all receipts and documents related to the repair process, as these may be needed when filing a claim.
Negotiate with Insurance Companies
Negotiating for a better outcome with your insurance adjuster can be a daunting process, but it’s essential to ensure that you receive adequate compensation for the damages to your home. Here are some best practices for negotiating with insurance adjusters:
Present the evidence you’ve collected.
Know your coverage.
Be prepared to dispute.
Ask your contractor to help you negotiate.
Don’t accept less than you deserve.
If all else fails, consult with an attorney:
Get the Right Estimate from your Contractor
Getting an accurate and comprehensive estimate from your contractor is crucial in ensuring that you get adequate compensation from your insurance company. Adjustors hate vague repair estimates from contractors. An experienced storm damage contractor will know this and provide a highly detailed quote for the adjuster.
If you are still determining who would be the best fit for your storm damage, call us at 205-358-4963. We have the experience to help you get the most out of your claim.
Prepare for Repairs
Before repairs begin, be sure to prepare adequately by making arrangements for temporary accommodation if needed, communicating about construction timelines, understanding where the work will be done so you can move household items away from the construction, ensuring furniture and floor coverings are in place, and verifying that your contractor has obtained the necessary permits and posted them in a visible location at your home.
Stay Organized
Staying organized throughout the process is essential to track documents, receipts, and other important information related to your claim and repair work. We suggest starting a physical folder where you can keep all the project documents or, better yet, a google drive file which is easy to drop any files in as you receive them over email.
Seek Legal Help if Necessary
If you need help with your insurance company, feel free to seek legal help. A good attorney can help you navigate complex insurance laws and ensure that you receive adequate compensation for the needed repairs.
In conclusion, dealing with insurance adjusters and contractors after storm damage can be challenging, but following these eight tips will help you guide through the process more effectively. Remember to document everything, choose a contractor that understands the process, become well-versed with your insurance coverage, prepare for repairs, and communicate effectively with all parties involved.