Hi, and Welcome to Klein Developments Blog on Storm Damage Repair. We are often asked questions on some of the following issues.
1: My roof was damaged in a storm or tornado and I do not have insurance, what should I do? Unfortunately, this problem does not allow much of a remedy as the storm damage repair expense will be "out of pocket".
However, depending on the extremity of the storm or tornado watch closely for your area to be considered a "state of emergency" or disastrous storm area. You may then be eligible to apply for local government grants or loans to repair your storm damaged home.
2: I have insurance on my home, but now how do I proceed with collecting the correct amount of money to fix my storm damaged home? This can be a grueling process, however these following tips may help.
A: Report the damage to your insurance company immediately, schedule for your insurance company to meet with you to access the storm damage, and be prepared to immediately perform temporary repairs that may keep elements from your home such as wind, rain, etc.
B: Call your local Better Business Bureau and ask for 2-3 Accredited companies that you may call and get estimates. You will need these estimates to prove the real cost of your storm damage repairs to your insurance company, otherwise they will most likely give you a sub-standard generic cost for the repairs. Never sign a document stating that you agree with the insurance company's cost until you have acquired the Accredited Contractor's Estimates. Even though the insurance company may not agree, be prepared to pay your chosen Accredited Contractor a deposit or Down Payment (normally 1/3 to 1/2 down is Ok as they will procure that money to buy the repair material needed but also this should be clearly stated in a Signed Contract). Should you choose a BBB unaccredited Contractor, be aware of paying very much of a deposit.
C: The insurance company may require inspections as work is being performed before finalizing payments for storm damage repairs.
Klein Developments hopes that this information is helpful and wishes a speedy recovery for your home and its storm damage repairs.
