Comprehensive Storm Damage Insurance Claims Guide
Filing an insurance claim can feel complicated when you’re already dealing with the stress of a storm. This guide explains what your insurance company expects, what you should look for, and how a trusted storm damage contractor can make the process smoother from the start.
Steps to Take Immediately Following a Storm
The actions you take immediately following a storm will protect your property and facilitate the insurance claims process.
Here is what to do:
- 1Prioritize Safety: Do not go outside until it is safe to do so. Electrical wires and unstable structures can create serious safety risks. Do not attempt to touch downed power lines or walk through standing water near electrical outlets. As an additional precaution, do not climb on your roof to try to assess damage or take photos.
- 2Contact a Professional for Inspection: Larson Valley Construction offers a free, no-obligation inspection for storm-damaged properties. Our experts will conduct a comprehensive inspection of your roof, siding, windows, and soft metals, including your gutters, soffits, and HVAC units. We will also assess other structures or items that may have been damaged by the storm. If our team determines there is sufficient damage to warrant an insurance claim, we will notify you and help you navigate the process.
- 3Document All Damages: Visual evidence is valuable when documenting your insurance claim. The Larson Valley team takes the stress off your plate when it comes to dealing with storm damage. In addition to our free inspection of your property, we will take photos for your insurance claim and meet with your insurance adjuster on-site.
- 4Notify Your Insurance Company: Review your homeowner's policy to confirm that the damage is covered by insurance and determine your deductible for repairs. Report the damage to your insurance company as soon as possible. Prompt notification will expedite the insurance claims process. Most insurance policies have a time limit for filing a claim, so do not wait to report the damage. It's important to let us know when your field adjuster will be on location so our team can meet with them and point out all areas of concern identified during inspection.
- 5Submit Your Insurance Claim: Submitting your claim correctly from the outset will facilitate the smoothest possible claims process.
Understanding Your Insurance Policy
Navigating insurance claims can be confusing, especially for those who are new to the process. Certain terminologies might be difficult to understand when reading your scope-of-work document. Some terms to understand include:
It's best to review your insurance policy before the storm season begins. Knowing your deductible, coverage limits, and exclusions allows you to make educated decisions when damage occurs. If you are uncertain about your coverage, call your insurance agent to discuss the specifics of your policy.
How Long Will It Take to Process My Insurance Claim?
For your insurance claim to be processed, a formal claim must first be submitted. Once it's accepted, the first payment (ACV) will be paid. The duration of the claims process varies depending on when the field adjuster submits the documentation to your insurance company for approval, but it typically takes six to eight weeks on average.
Types of Storm Damage in Wisconsin
Weather in Wisconsin can be unpredictable. When you know what to look for, you can quickly spot potential issues and document them accordingly for your insurance claim:
- Wind damage: Causes tears in shingles, siding to loosen, and trees to fall on structures.
- Hail damage: Makes dents and cracks in roofing materials, siding, gutters, and windows.
- Water damage from heavy rainfall: Results in leaks due to damaged roofing systems and flashing.
- Ice dam buildup: Forces water under the shingles and into your home’s interior.
Each type of damage needs to be addressed quickly to prevent further degradation. Minor damage can rapidly deteriorate if left unchecked, particularly during Wisconsin’s unpredictable weather seasons.
Need Help With Storm Damage Restoration?
At Larson Valley Construction, we've been helping Western Wisconsin homeowners with storm damage repairs for over 50 years. Our team works with your insurance company to help navigate the claims process, and every job is quality-checked by a master craftsman before completion.
Request a free inspection online or call 715-227-8520 today.