Handling Insurance Claims
When considering filing an insurance claim, it’s important to do your homework. If you’ve had high winds or hail in your area, and think you might have storm damage to your home, use the information on this page as a guide to help you pursue your insurance claim.
Hail & Wind Damage Checklist:
Grab a pen and paper and refer to this checklist while walking around your house. While this list will remind you of more obvious signs, remember that roof damage from hail is not typically obvious. And, it’s probably not a good idea to climb on your roof yourself since its dangerous and walking on shingles can cause granule loss. Leave it to a professional with a trained eye to inspect potential wind and hail damage close up.
Contact a Qualified Contractor using Angie’s List and the BBB:
This step can save you the headaches of a bad experience. Look for a company who has been around long enough to back-up their warranties. A contactor who is licensed, bonded, and insured will ensure that any falls or mishaps don’t result in a claim on your homeowners insurance.
And finally, many out-of-state companies use a business model of chasing storms and setting up a temporary but ‘local’ address and phone number. Out of town crews may even be provided temporary housing. When the season is done, they move-on to the next state. While the work of a storm chaser may or may not be adequate or meet local code, most homeowners prefer doing business with companies who are forthright and committed to their communities.
At Moss, we buy all our products in Central Indiana, do all our hiring in Central Indiana, pay local taxes, and live in the communities we serve. That comes with the accountability of seeing our customer’s in the grocery, church, or school events.
Contact us today for a damage evaluation. We’ll send an experienced Project Manager to your house to perform a free inspection, answer your questions, and offer any assistance needed in the claims process.
Keep in mind, your adjuster represents your insurance company. Don’t you think you should have someone present who is working for you?
File a Claim with your Insurance Company: This usually starts with a call to your agent to let them know that you think your property has suffered damage. The sooner you report the claim the better. Have your policy number ready as well as the date of the damage. Your insurance carrier will then issue you a claim number. This claim number will be vital for all future contact during your restoration project.
To simplify that contact, listed below toll free numbers of several popular insurance companies:
- Allstate: 1-800-547-8676
- American Family 1-800-374-1111
- Hartford 1-800-243-5860
- Nationwide 1-800-421-3535
- State Farm Find a local claims office online
When quality and service matter – talk to Moss!