When a hailstorm hits, it can do significant damage to your property. The quicker you can assess what has happened, the faster you can file your claim and begin repairs. Here are a few steps to get started after the storm.
Documenting the Damage
When it is safe to go outside, walk the perimeter of your property and look for dents or holes in the siding and roof. Contact a residential roofing st louis company to give you an estimate on repairs if you do find any broken or cracked shingles that need to be replaced. You will also need to know how much it will cost to fix the exterior walls of your home. Inspect your vehicles that might have been outside as well as any furniture or decking. If there are problems with your automobiles, take them to the auto body shop for evaluation. Once you have these numbers, submit them with your claim to the insurance agent. It is helpful to enclose photos of each damaged item as well.
Processing the Claim
Ask your insurance agent for an estimated length of time it will take for your claims to be approved. Some of your estimates might take a decision on your part, such as the damage to your car. If it will cost more to repair the vehicle than it is worth, it may be totaled. At this point, you will be given the option to get a new car or accept the payoff from the insurance company. This is also a good time to make appointments to have your roof and siding repaired. There will be other people calling also, so the sooner you do this the better.
Make the Repairs
Once your claim is approved, begin your repairs. Hire a contractor who is reputable and comes with good references. Ask your friends and family if they can recommend a company. You should look for someone who is local and has been in the community for a long period of time. When a large storm hits an area, less than scrupulous builders will arrive to solicit business. If the person asking for your business wants you to pay before the work is completed, choose another contractor. Once you find the repairman you want to work with, schedule a time to start the work. Contact your insurance company to see if the bills should be submitted directly to them or if they will send you a check to pay for the labor yourself.