STORM DAMAGE RESTORATION FAQs
How do I know if my property or roof was damaged by a storm?
Simple. Call the experts at Severe Storm Restorations LLC and schedule a FREE property inspection. We can quickly and easily identify any storm damage to your property or roof.
Most property owners cannot see roof damage from the ground from storm related events such as hail or wind. Hail damage to roofing structures needs to be inspected by trained professionals.
A Severe Storm Restorations LLC Project Manager will conduct a free inspection and take photos of all damage, prepare proper scope of damages, estimate at fair market pricing and in a professional format that insurance company and/or insurance assessor will understand.
A Severe Storm Restorations LLC Project Manager will also meet any adjuster and/or other building contractors at your property to provide any ladders, photos, estimates that the insurance assessor requires to get your insurance claim and the scope of works approved. Additionally, we will make sure all items that are damaged by storm get covered by your insurance company and complete repairs at no out-of-pocket expense to the property owner.
How do I file an insurance claim for storm damage?
If storm damage is found by a Severe Storm Restorations LLC Project Manager during your free inspection, you simply call your insurance company to file a claim.
File a claim for the storm damage that occurred to your property and the date of storm or catastrophic event. Please make note of your claim number and contact and notify us so we can send in our photos, scope and estimate to your insurance company.
Will filing a claim cost me money?
The insurance company is paying for your restoration due to storm damage. The only cost to you is your excess. The company actually doing the work will charge the excess.
Will filing a claim raise my insurance rates or cause my insurance company to cancel my coverage?
No. A claim filed as a result of hail, wind, and/or lightening is considered an “Act of God” claim.
That is to say, there was no way you could have prevented the damages to your property. Insurance companies cannot raise your individual rates as a result of such a claim. Premium increases are based across a whole region, city or state of thousands of claims being filed for the same storm or catastrophic event, not individually.
What if my insurance company sends out a “preferred contractor” versus an insurance adjuster to review the scope of my damage?
A Severe Storm Restorations LLC Project Manager will meet any insurance adjuster and/or building contractor at your property to review the scope and estimate.
Your insurance company will either schedule a time for an insurance adjuster or another building contractor to come out and inspect and assess your damage. The adjuster will call you to schedule a time that works for you. It is important you schedule a specific time to meet this adjuster. If possible, take down the adjuster’s name and contact number. While some builders and adjusters work for the insurance company, Severe Storm Restorations LLC works directly for the property owner. We don’t take short cuts, nor are we bonused for additional work from the insurance company by trying to keep the amount of the claim low. Our goal is to get all storm damage related repairs looked at and fixed and covered by the insurance company through this process.
What if my adjuster or building contractor estimate is lower than the Severe Storm Restorations LLC initial estimate? Do I have to use the contractor sent by the insurance company?
No you do not.
If you have already decided on hiring Severe Storm Restorations LLC as your contractor, please inform your insurance company, claims manager and/or adjuster of your decision. You have the right to use whatever contractor you choose.
If the estimate provided by the insurance company or adjuster is lower than the initial Severe Storm Restorations LLC estimate, you need to request the scope of work that was used to determine that estimate form your insurance company.
Severe Storm Restorations LLC will match any fair market pricing of any builder or adjuster, as long as the scope of work is the same. For example, if the insurance company sent out a builder who forgot to include gutters, proper roof components, safety equipment and some damaged windows in their estimate, naturally their assessment would be lower. It is important to get a copy of this scope of work so that a proper comparison is made. If items that were estimated by Severe Storm Restorations LLC were not included in the insurance company’s assessment, then the property owner must request a variance for those items to then also be included.
If reasonable and fair market pricing is provided on the insurance company assessment and the scope is the same, then Severe Storm Restorations LLC would adjust any of their initial estimates to match the dollar amount being issued by the insurance company, which then allows us to live up to our guarantee of doing all properly scoped work for insurance proceeds, with no out of pocket expense to property owner (minus their excess amount).
What if my insurance company or one of their preferred contractors tries to pressure me into a contract, or into agreeing to property assessment I feel is incomplete or interferes with me choosing my own contractor?
Again, you have the right to choose a contractor of your choosing and also get the work done at fair market pricing.
First, call the Claims Manager and file a complaint with a supervisor and/or manager of the insurance company.
If nothing gets resolved in 5 business days, contact Severe Storm Restorations LLC for further assistance filing a complaint.
How do I request a cash settlement so I can begin repairs with a contractor of my choosing?
Before accepting a cash settlement, you must always first request a copy of the detailed scope of work from the insurance company’s adjuster that they are using to determine the value of the claim.
It is important for property owners to review this detailed scope of work and make sure that all items were properly noted and covered and that this amount allows for full repairs at fair market pricing. This must be done before accepting a cash settlement.
Once you accept cash settlement from the insurance company, you can then use those proceeds to enter into a formal building contract with Severe Storm Restorations LLC as your choice of contractor.
Severe Storm Restorations LLC has a variety of options including a 3rd party trust setup for the purpose of progress payment billing and convenience for the customer.
Will I have to pay my excess?
The insurance company is obligated to pay a fair market rate for the damages done to your home less the amount of your excess. If you choose to have all the damages your insurance company assess as damaged repaired you may have to pay your excess. You may chose to use funds assigned to a less important part of the restoration to pay the excess (the work you are opting to shift funds from would then obviously not be done) thus reducing or eliminating your out-of-pocket expense.
What happens if my insurance company approves a dollar amount less than your estimate?
You should not worry about significant out-of-pocket expense, the contract between you and Severe Storm Restorations LLC guarantees you we will do the insurance approved restoration work at the insurance approved price and in return you have committed to using Severe Storm Restorations LLC.
It is common for the initial insurance settlement to be less than the original Severe Storm Restorations LLC estimate. The Severe Storm Restorations LLC estimate is based on the current fair-market-pricing for each component involved in your restoration. If you reference the Severe Storm Restorations LLC estimate for your property it will become very clear it is calculated using numerous variables and is very comprehensive. The insurance company utilizes a network of contractors who work for them who may be incentivized to reduce the amount of your claim. It may be necessary for Severe Storm Restorations LLC to address insufficiency in the estimate prepared by your insurance company’s contractor but, this is common. Regardless, you will NEVER be asked to pay more than the insurance company pays, for the scope of work approved by the insurance company, plus your excess.
What happens if the insurance company does not cover me for all the damages assessed by Severe Storm Restoration LLC?
This is precisely the reason you have hired and signed a contract with Severe Storm Restorations LLC. We are committed to working on your behalf, not for your insurance company.
If your insurance company does not cover damages Severe Storm Restorations LLC feels are justified, you are not out of options. Your Severe Storm Restorations LLC representative will help you assess the situation and assist you with addressing the problem utilizing one of many options at your disposal to rectify an insufficient or incomplete assessment by your insurance. Bad faith claims and/or inadequate and sometimes faulty assessment practices can arise out of an insurance company sending a “preferred contractor”. Having a contractor on your side to ensure your interests are protected is essential in protecting yourself as a property owner.
Do I have to use the contractor my insurance company suggests?
No. Your insurance company relies on a small group of building contractors to assist them in assessing and assigning a dollar amount to your claim. This close relationship between the insurance company and their preferred contractors is to the insurance companies benefit and therefore, the insurance will try and influence you to use their contractor.
In some cases the insurance company won’t contact you but, rather the insurance companies contractor will e-mail you an estimate/contract and ask you to sign it and e-mail it back. Do not sign anything without contacting your Severe Storm Restorations LLC representative first. REST ASSURED, you are under no obligation to use a contractor presented to you by your insurance. The insurance company has a vested interest in your use of their contractor, that is to their advantage, we feel you are better served using Severe Storm Restorations LLC as we have no formal ties with insurance companies but, rather work on your behalf. As long as you are firm with your insurance claims manager and verbally assert your right to use a contractor of your choice, they must comply with your request.
What should I do if my insurance company asks me to pay my excess at the time I file my claim?
Do not. There is no reason you should have to pay your excess before your insurance company assesses your claim.
Simply indicate to your insurance that you would prefer to pay your excess once they have assessed and settled your claim Furthermore, indicate you will pay the excess directly to the contractor you have chosen to do the work. You are under no obligation to pay ANYTHING until your insurance company has told you what restoration work they will be covering and how much they have agreed to pay to have that restoration done.
What should I do if the insurance seems to be taking an excessively long time to settle my claim?
Again, this is common. It is in the insurance companies benefit to delay the payment of your claim. Furthermore, the more time they take the more opportunity they have to find a method to reduce their cost related to your loss.
Your insurance carrier is obligated to assess and pay for the damages done to your home in a timely fashion. If the insurance has not communicated to you a settlement on your claim in writing and it has been more than 30 days from the date you reported your claim you should call your claims representative at your insurance and DEMAND they settle your claim immediately. You have the right to prompt servicing of your claim. Would the insurance object if you neglected to pay your insurance premium for more that 30 days? Would they be calling you to get the money they are owed? The damages to your home may be getting more serious every day that passes from the date they were incurred. There is no reason the insurance can’t settle your claim in full within 30 days. If the insurance company does not comply for you request to have them settle your claim in a timely manner, you may opt to seek further assistance, and or pursue legal action.
Once the insurance has communicated to me in writing the restoration work they have approved and the amount they will be paying to have those works done, what should I do?
Remember, do not sign anything.
Make sure you request the detailed scope of works from the insurance company showing how they came to their amount. Third, call your Severe Storm Restorations LLC representative and provide the documents from your insurance company to him or her so Severe Storm Restorations LLC may analyze the settlement proposed by your insurance and make sure it addresses all the damages done to your property. If the estimate is fair and covers all the damages Severe Storm Restorations LLC feels were incurred to your property Severe Storm Restorations LLC will advise you to contact your insurance company to indicate you are using Severe Storm Restorations LLC for the restoration of your home and request a cash settlement of the claim (see the next item for a description of cash settlement.)
What is a cash settlement?
Your insurance policies allow you as the policyholder to opt for a cash settlement of your claim once a final determination has been made as to the nature of restorations to be done and the cost associated with those restorations.
Once your Severe Storm Restorations LLC representative has reviewed the insurance companies offer to settle your claim and has advised you it is acceptable then cash settlement is the next step. At this point Severe Storm Restorations LLC can formally contract the job and scope of works and begin the restorations to your property. Simply call your insurance carrier tell them you have selected and signed a contract with Severe Storm Restorations LLC and request they cash settle your claim. This should facilitate the insurance company releasing funds to you so you may begin the restoration process with Severe Storm Restorations LLC. Remember, you have the right to determine which contractor works on your property, not the insurance company. You also have the right to cash settle once an appropriate settlement has been communicated to you. Be assertive with your insurance claims manager. Most insurance companies are accustomed to, dictating how the process should unfold to their customers, when it should be the other way around.
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