Our team at Santex Public Adjusters has extensive experience in dealing with the insurance industry. We understand insurance companies don’t always offer complete coverage for property damage, and we can help you fight for the coverage you deserve. In this article, we will focus on storm damage insurance claims, going over some key information about how the process works.
Before you make storm damage insurance claims, you should know what your storm damage insurance policy covers. In general, storm damage insurance covers harm done to your property by water, ice, wind, hail, lightning, or power surges. For example, if flooding causes water damage or a lightning bolt knocks a tree onto your roof, then you have grounds to make a storm damage insurance claim.
In our experience, many people assume they can only file storm damage insurance claims for the physical harm to the property caused by the storm itself, such as damage to the roof. However, most storm damage insurance policies include some coverage for secondary effects of storm damage. For example, if the storm damaged your personal property—such as your furniture, electronics, artwork, etc.—then you can include that in your claim along with the damage to the structure. Additionally, most policies provide loss-of-use coverage, meaning you can use it to cover the costs of renting alternate housing while work is done to repair your main residence.
Understanding the storm damage insurance claims process can get tricky, but our team is here to provide the assistance you need. If you have any questions regarding storm damage insurance claims, we encourage you to give us a call to learn more.