When natural disasters like hurricanes strike, ensuring your family’s safety should be your first priority. Once the skies clear, however, you might find recovering from the aftermath to be a little more challenging. Before you start calling for a new gutter installation or a comprehensive roof replacement as a result of recent storms, it pays to familiarize yourself with the basics of your insurance policy.
Insurance companies are very much a modern necessity. They can help provide security and peace of mind even after an unexpected disaster. Unfortunately, not many homeowners understand the ins and outs of their policies, making filing a claim that much more complicated. Let our experts at Independent Construction Services help you navigate your way to a successful home insurance claim.
There’s nothing worse than having to hire home improvement contractors to repair your damaged home only to find out later that it’s not covered by your insurance. Most policies divide coverage into four different categories: (1) your main home; (2) any detached structures, such as a garden shed or garage; (3) your property—that is, your personal belongings; and (4) living costs if you have been displaced.
Know What Is Covered
One of the things that takes homeowners by surprise when dealing with their insurance claims is that flood damage is typically not covered. It’s best to discuss this beforehand with your broker to avoid any future problems. Otherwise, once the floodwaters rise, as is common during hurricanes, you might find yourself up that creek without a paddle.
Document the Damage
Our residential roofing services experts recommend keeping a file on your roof to help with its maintenance. Part of this file should be pictures taken at least once every six months. This can help insurance assessors process your claims that much faster.
Our experienced contractors at Independent Construction Services are happy to help you with all your hurricane insurance questions. Give us a call at (828) 358-1780 or fill out our contact form to schedule a consultation and request a free estimate today. We serve homes in Asheville, NC, and nearby areas.