What To Do
Hail and other storms can seriously damage your home. CombOver is here to help you and your family get back on track after dealing with hail and storm damage. We will help you every step of the way from your insurance claims through to the job’s completion. CombOver understands the needs of homeowners. We provide a project manager who understands the process through the completion of your project. By doing this it lessens the chance of multiple people translating details even slightly different. Commitments are not lost in the shuffle of craziness after a hail and wind storm.
Opening an Insurance Claim Info
Step 1
Call a local roofer you trust to come and look for damage. This is to prevent you from opening a claim without damage. Some may call their agent first which is fine. Most Insurance Agents have a preferred Contractors list that they can team you up with.
Step 2
Once any damage is found and exceeds your deductible, open a claim with your agent or with the claims department. A claim number will be issued and an outside adjuster will set a time to look at your property to confirm the damage. After inspection, and when damage is found you will receive a breakdown of what they are paying to fix. This is known as a Loss Statement. Often times you will also get a check for the depreciated value of the materials attached to the house. This leaves a portion of the repairs to be paid once each trade is completed. There may also be some incurred enforced code items. These are also paid out at the end of the project (Ice and Water etc.).
Step 3
Choosing a Contractor. It is important to go with someone you find communicates well as there can be several moving parts to a project, especially when there are multiple trades such as roofing, siding, windows, etc.
During this stage, it is important to know damage in most cases is not limited to a street or neighborhood. It usually affects county or cities so it will be crazy at first. Hurrying up the process by choosing a contractor too fast can lead to big problems. Please do your research and find a company that has a proven track record as there are several in this market. When you are good you are in demand. Emergency leaks usually take priority, so be patient. Hire someone you get along with and can communicate well with and you will get through all this.
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