Storm Damage in Hopkins MN | How to File Storm Damage Insurance Claim
After a storm has passed and you have assessed the damage to your home, it is time to file a storm damage insurance claim. Here is everything you need to know to file a storm damage in Hopkins MN. You can also consult your local storm damage repair contractor in Hopkins.
#1 Assess the storm damage
Assess the storm damage to your roof, windows, siding, and outdoor appliances. Take photos of the signs of damage you can see from the ground.
#2 Contact trustworthy storm damage repair contractors
Interview multiple local home restoration contractors and compare their contracts, quotes, and portfolios. Ask at least three contractors to inspect the photos of storm damage. Ask questions and inquire about their warranty, licensing, and materials.
Then, choose the one that fits your needs.
#3 Get in touch with your insurance provider
Carefully read your insurance policy before contacting your insurance company. It is important to understand the terms and conditions of the contract before you contact them. Your chosen storm damage repair contractor can help you with the contract.
Make sure your documentation including receipts, photos, and detailed notes of damage is ready. Attach the repair estimate from your chosen contractor as well.
#4 Ask for an insurance adjuster
Request that your chosen contractor is present during the inspection. Your contractor ensures that the adjuster plays by the rules and provides a fair assessment of the damage.
#5 It is okay if your claim is denied
Do not worry if your provider denies your claim. You can always get a second opinion. After all, even small-scale damage leads to an approved insurance claim.
It is important to note that storm damage; if neglected, can lead to severe home damage such as mold, mildew, fungus, or leakage. So, get it fixed as soon as possible.
#6 Look out for payment
Once your insurance provider approves your claim, they send you two payments. The first payment covers the expenses for the materials. Ensure that your contractor uses this payment to purchase materials in your name.
#7 Get the repairs
Once your contractor has purchased the materials, begin the repairs. No additional payments are required, only submit an initial deposit to your chosen contractor.
Once your home has passed the local inspection, you can make the final payment to your contractor after approval of the project. Make sure you are satisfied with the quality of the project.
Hire a storm damage repair contractor now!
If you are looking for a storm damage repair contractor to help you file an insurance claim in Hopkins, then you have come to the perfect place. At Capstone Bros Contracting, we have an experienced professional, and reliable team of storm damage repair contractors. We inspect the damage to your home and help you document the damage so that your claim gets approved as soon as possible.