Local Severe Weather

storm damage to your home

In the year 2020, there were 11 named storms that hit the US. The number of smaller and localized extreme weather conditions like tornadoes and thunderstorms is not included in this figure. Collectively, the 11 major storms caused more than $51 billion in damages across the country. The extent to which a house is damaged can vary but in areas where the intensity of the storm is lower, the resulting damages can usually be fixed easily.

Storm damage can vary. It mostly depends on the intensity and type of storm that your area has witnessed. Regular conditions like hail, snow, or thunderstorms don’t cause extensive damages to homes. However, more extreme ones like tornadoes are a different story. When a home suffers storm damage, it is not easy for homeowners themselves to tell whether the problem is large or small. This is where you’ll need the services of a professional.

Storm Damage Inspection  

Inspection is the first and most essential part of storm damage repair because it ascertains whether you’ll need to file an insurance claim or not. This is the initial step in any significant repair job that you may have to perform on your home. Although you can perform a superficial inspection yourself, it is more efficient to hire a professional service provider for the job. With a thorough inspection, you can build plans for the future of your project.   

Inspection service providers create an itemized list for you while also plotting the cost estimates. This process ensures that you know that there is a decision to make. If the damage is light, you can always have it paid through your own finances. However, if the damage is significant, that will require you to file an insurance claim with your service provider. The inspection comes in handy both ways allowing you to make the right decision.

Filing a Claim

A storm can leave numerous things in the aftermath. These can range from leaks, roof damage and broken glass to fallen trees and the need for a general cleanup. Depending on how bad your area was hit or how extreme the storm was, you can know whether you’ll need an insurance claim or not. This combined with the initial inspection that you might have performed will provide a clear picture regarding storm damage restoration at your home.   

Once you know that you must file a claim, there are a few steps that you need to follow. First and foremost, interview some reputable contractors in the area and acquire a quote from each. Next, contact your insurance company, tell them about the situation and fulfill their relevant requirements. Provide photos and all other relevant information that the company might request from you so that you can get the approval in due time.

Insurance Adjustment Meeting  

Once you have talked to the insurance company, the next step is the insurance adjustment meeting. You’ll need to request an insurance adjuster to assess the amount of money you’ll need for the repairs. Insurance adjusters are company representatives who verify whether the customer and the damage on their home warrants the amount of money that they have filed a claim for. This is sometimes a tricky process.

As a homeowner, you must make sure that you have everything ready before the adjustment meeting. It is also crucial to have your contractor present. This way they can verify, assert, and explain some of the intricacies that an adjuster might try to shave off your bill. The contractor will also provide a holistic picture to the insurance company official regarding the problems that have been caused by the storm and how he plans to repair them.   

Waiting for Payments

Insurance companies, after approvals, send customers the payment in two batches. The first, known as materials deposit, covers the cost of raw materials that will be needed to repair the storm damage in your home.

If you have an insurance claim paying for the repairs, make sure that the contractor orders materials in your name and also uses your bank checks to pay for them otherwise the insurance company won’t pay for the materials.  

One important thing to note here is that there is no need to worry if your claim gets denied. There can be a possibility that this happens but as a customer, you are entitled to a second opinion. Insurance companies can sometimes approve even the smallest claims but it is not the end of things. You have other options that you should consider because storm damage can elevate over time causing greater difficulties for you.   

Replacing Your Roof and Siding   

The final step in the storm damage restoration process is to have the roof and siding in your home replaced. Most of the damage caused by a storm is on the exterior of the home apart from the doors and windows, roofing along with siding is most commonly damaged. If your home has suffered a lot of damage, you can opt to change the style and material previously used on it for a fresher aesthetic and greater functionality.   

Make sure you have the contractor pick high quality materials that can withstand future storms or weather anomalies. There are materials that are extremely robust and resilient but it all depends on the quality. Going for substandard quality might save you a few bucks but will end up costing you a lot in terms of repairs and replacement as time progresses. This is when you’ll realize that you made a mistake not going for the pricey but higher quality materials. 

Restore Your Home  

Storm damage is not something that you can overlook and the problems will only grow worse with time. You have to have your home restored as quickly, as possible. If you are looking for a reliable service provider for storm damage restoration, inspection and facilitation with respect to filing an insurance complaint, contact Aston Construction today. We provide a wide range of services for residential repairs in case of storm damage through a team of technicians who have years of experience in the field.

The Aston Construction company has been providing storm damage repair for 10+ years. Our clients are across Cincinnati OhioDayton Ohio, Middletown Ohio, Springfield Ohio, and Columbus Ohio. CALL US IMMEDIATELY if your home has been hit by a storm at 513-310-5597.