Your homeowner’s insurance is designed to protect you from paying out of pocked for unexpected roofing repair and restoration expenses following a recent disaster such as a storm or a fire, among other things. Unfortunately, many people admit they have very little or, at times, no knowledge at all about the right way to file a claim. This results in huge delays which, if your home has been severely damaged, is completely unacceptable. In some worse cases, it could also result in claims being denied.
For over 20 years, our professionals at Kidd-Luukko Corporation have handled countless storm restoration insurance claims and helped hundreds of Massachusetts and New Hampshire homeowners get back on their feet after a calamity. Here are our best tips to help you maximize your own insurance claims.
Get Repairs Right Away
A lot of people make the mistake of waiting for their claims to be approved before they get their repairs started. This approval process can take days, sometimes weeks, which means you’re losing valuable time addressing some of the pressing issues that require immediate attention. Our experts recommend getting professional repairs right away. Not only will this save you from bigger problems in the future, but insurance providers typically reimburse you for all your out-of-pocket repair expenses.
Trust the Professionals
Insurance companies will send an adjuster to assess the extent of your roofing system’s damage. However, their report may not fully reflect the scope of the repairs that you need. Because of this, it’s not a bad idea to consult with professionals for a full inspection report. This way, you’re 100% certain that all storm-related damages are addressed and covered in your claim.
Document Everything
Use your smartphone to take pictures and videos of your home as soon as it’s safe to do so. Documenting the state of your home before the adjuster arrives is particularly useful if you’ve decided to take steps to mitigate the damages before the claim is assessed and approved.
At Kidd-Luukko Corporation, we are your leading contractor for all your residential and commercial roofing needs, including gutter installation services. Give us a call at (508) 799-9500 or fill out our online contact form to talk to one of our experts and request a free estimate today. We serve homeowners in Boston and Worcester, MA, as well as surrounding areas in Manchester, NH.