Was your property just damaged by a hailstorm? Use these tips to guide you along the process of reporting the damage to your insurance company and getting your property repaired.
1. Immediately take photos and thoroughly document all damage before beginning any cleanup or repairs.
2. Take steps to prevent further destruction of the property. Cover broken windows and holes in roofs, put tarps over places that could get more water or wind damage, etc.
3. Contact your insurance company and get the claims process started. Make sure you understand your deductible, what is and isn’t covered, and your responsibilities.
4. Don’t sign an agreement with a contractor until you’ve talked to your insurance agent or company representative.
5. Beware of high-pressure sales tactics and unsolicited offers from contractors. Don’t feel rushed to sign a repair contract. Get multiple bids and check references. Choose a contractor who will work with your insurance adjuster to assess damage and costs of repair.
6. Verify that the contractor you’re considering is registered to do business in your state, has workers compensation insurance, liability insurance, and is bonded.
7. Get a written contract and never pay in full for work before it’s completed.
8. Maintain ownership of the process: don’t hand over Power of Attorney or responsibility for settling the insurance claim, don’t sign a contract that has blanks or isn’t thorough.
9. When dealing with damage to vehicles or trailers, work with reputable auto body shops and get multiple bids.
10. If you dodged impacts from the recent storms, take time to review your insurance policy, pay attention to your deductibles and other details, and make sure you have the coverage you want in case of future weather damage.
Contact your Mountain West agent to review your coverage today, and be prepared for the next storm in your area!