Coping with the aftermath of a major weather event can be overwhelming. Catastrophic conditions are out of your control, but how you handle the fallout can make all the difference. In the unfortunate case of a storm that causes damage, you may need to file an insurance claim. The roof repair experts at Shrum Roofing & Construction, based in Waterloo, IL, have some helpful tips to guide you through this difficult process.

What to Know About Filing an Insurance Claim for Storm Damage

1. Know Your Coverage

The damage your home sustained is critical to your claim’s validity. Standard homeowners policies usually cover events such as roof, wall, or siding damage due to anything from heavy winds to fallen trees. It’s important to document the extent of the damage right away by taking photographs, and it’s also a good idea to have some older photos on hand that depict your home’s condition before the damage.

2. Consider the Damage

Storm damage is anything that happens to your home as a direct result of the weather event. Your roof may spring a leak, the basement may flood, windows may break, or the entire lower level may suffer the effects of catastrophic water damage. Weather events can create many problems, all of which typically require the attention of an insurance adjuster. If your home requires a complete replacement, bear in mind that the new value might not equate to your home’s actual value but solely to the cost of rebuilding. Your homeowners policy will, in most cases, cover this replacement.

3. Determine Your Need

Damage that requires the help of construction companies, a roof repair professional, or a siding contractor may qualify for insurance coverage. Limits do apply to the extent of your coverage, but you can always request additional protection if flooding is not covered.

In the event of a possible roof repair, the team at Shrum Roofing & Construction has the solution. These roofing contractors specialize in repairing storm damage, and their goal is to help restore your home back to normal while you deal with the complexities of filing your insurance claim. Visit the construction company’s website to learn more, or call (618) 977-3425 to speak with a friendly representative.