It’s never fun getting stuck in a storm, and it’s worse if it causes considerable damage to your home.
You have to pick up the pieces, check in with friends, and call the insurance to get rates on repairs. Getting an insurance-paid roof replacement can be confusing for homeowners, especially if you’ve never filed a damage claim before. But there are a few easy steps to get started and make it as painless a process as possible.*
Step 1: Contact AmeriPro About the Damage
As soon as you suspect that a storm or other natural disaster has caused damage to your home, call AmeriPro and let us know that you are about to contact your insurer and set up an appointment with an adjuster. This brief call accomplishes two things:
- It lets your AmeriPro restoration specialist get ready to assess your roofing situation.
- This lets us know if you have identified any obvious signs of storm damage.
At AmeriPro, we understand that it’s tempting to head outside after a storm and do your own “diagnosis” of what has occurred. (We’re homeowners too!) This is okay as long as you wait for the inclement weather to pass and do not put yourself in any danger by climbing on ladders or onto rooftops yourself. Simply walk around the perimeter of your home after the storm has passed, and note or, better yet, photograph anything that looks like damage. Our roof assessment team will be able to use your notes and photos as a starting point.
But be sure to avoid the urge to climb ladders and walk on roofs. Much storm damage is invisible to the untrained eye, so there’s no reason to put yourself at risk when our team will be able to do a thorough inspection when they arrive. Be safe, walk the perimeter, and record your observations. Leave the rest to AmeriPro’s experts.
Step 2: Contacting Your Insurer and Filing Insurance Claim*
Notify your insurance company’s claims center and report that there may be wind, hail, or other types of storm damage to your home. Not every insurer will set an adjustment appointment at this time. Frequently, they’ll wait a day or more before calling you back with details. During this phone call, answer any questions truthfully and to the best of your ability but do not go into great detail. You’ll be filling out the insurer’s more detailed written forms later on. The AmeriPro restoration specialist can help you fill out the forms accurately.*
The purpose of this phone call is simply to report “possible” or “obvious” damage to your home and notify the insurance company of the situation, according to your insurance policy. Of course, all policies are different, but in most cases, there is a time limit for reporting damages that runs from 30 to 60 days. If you wait too long, you won’t receive insurance compensation no matter how bad the damage is. Plus, if you want to have your repair work done as soon as possible, it’s best to report the damage on the day it occurs or shortly thereafter.
Step 3: Your Insurer Will Contact You to Set Up an Adjuster Visit
You’ll receive a call from your insurance company for the sole purpose of setting up an “adjuster appointment.” Be certain to set the appointment for a time after your scheduled inspection from the AmeriPro restoration specialist.
Step 4: Contact AmeriPro with Details about the Upcoming Adjuster Visit
Phone us with details about the adjuster visit as soon as your insurance company contacts you with the time and date.
Step 5: You Meet with Your AmeriPro Restoration Specialist
We will perform our inspection, make a detailed estimate, and have you sign a contract choosing us as your designated contractor. In order for us to act as your advocate with the insurance company adjuster, we