Storm Damage? A Homeowner's Guide to the Insurance Claim Process
- roofersadvantage
- Jul 27
- 2 min read
Updated: Oct 8
Seeing your home damaged after a severe storm is stressful enough—the thought of navigating an insurance claim can feel overwhelming. This guide will walk you through the key steps of the process so you can get your home restored with confidence.
Step 1: Document Damage & Call a Professional
Once it's safe, walk around your property and take photos of any obvious damage to your roof, siding, gutters, and windows. Your most important first call is to a trusted, local restoration contractor. A professional can assess the full extent of the damage (including issues you can't see from the ground) and provide a complete picture before you file your claim.
Step 2: Your Contractor is Your Advocate
A good contractor works on your behalf. They act as your expert advocate throughout the insurance process. Your contractor should be present when the insurance adjuster inspects the property. They can point out specific damages the adjuster might overlook and ensure the scope of work is accurate and complete based on local building codes.
Step 3: Red Flags to Watch Out For
Unfortunately, major storms can attract untrustworthy operators. Here are a few red flags to avoid:
🚩 "Storm Chasers": Be wary of out-of-town companies that appear right after a storm. Always choose a local contractor with a permanent address and a solid reputation in your community.
🚩 High-Pressure Tactics: Never feel forced to sign a contract on the spot. A professional will provide a detailed estimate and give you the time you need to make an informed decision.
🚩 Vague Promises: Your contractor must provide a detailed, itemized quote that clearly explains the scope of work and the specific materials they will use.
Navigating an insurance claim is complex, but you don't have to do it alone. The team at McPeek Construction Services has years of experience helping homeowners in the Ohio Valley with their storm damage claims. We're here to be your trusted partner and make sure your home is restored correctly. Call us at (513) 713-6825 for a professional damage assessment.
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