Understanding the Insurance Claim Process for Storm Damage

Central Ohio knows severe weather. From summer hailstorms to winter ice damage, our homes take a beating year after year. When disaster strikes your property, navigating the insurance claim process can feel overwhelming – especially when you're already dealing with the stress of damaged roofing, siding, or gutters.

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Understanding how insurance claims work can mean the difference between full coverage and costly out-of-pocket expenses.

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Act Fast, But Don't Rush

Immediate Steps (First 24-48 Hours):

• Document everything with photos and videos before temporary repairs
• Contact your insurance company to report the claim
• Make temporary repairs to prevent further damage (save all receipts)
• Don't let anyone onto your roof for "free inspections" until you're ready

The clock starts ticking immediately after storm damage occurs. Most insurance policies require prompt notification, but don't let pressure from door-to-door contractors rush you into signing anything before you understand your coverage.

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What Your Insurance Adjuster is Looking For

When the insurance adjuster visits your Columbus home, they're assessing:

• Wind damage - Missing or damaged shingles, granule loss, exposed nails
• Hail damage - Dents in gutters, downspouts, and shingles with exposed matting
• Water damage - Interior damage caused by compromised roofing or siding
• Age and maintenance - They'll differentiate between storm damage and normal wear

Remember: adjusters work for the insurance company, not for you. Having your own professional assessment protects your interests.

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Common Claim Mistakes That Cost Homeowners

Accepting the first estimate - Insurance companies often start with lower estimates, expecting negotiation. Professional contractors can identify damage that adjusters might miss.

Not understanding depreciation - Many policies pay actual cash value initially, then recoverable depreciation after work is completed with a licensed contractor.

Mixing contractors mid-claim - Switching contractors after filing can complicate your claim and delay payment.

Ignoring the deadline - Ohio homeowners typically have one year from the damage date to complete repairs and collect depreciation, but check your specific policy.

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Working with Contractors During Claims

Choose contractors who understand the insurance process. Experienced storm damage contractors know how to:

• Document damage properly for insurance purposes
• Communicate directly with adjusters when authorized
• Provide detailed estimates that match insurance requirements
• Handle supplemental claims when additional damage is discovered

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Avoid contractors who offer to "pay your deductible" or promise to work directly with insurance without your involvement. These approaches often violate insurance agreements and can void your coverage.

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The MK Exteriors Claims Process

When storm damage hits your Central Ohio home, we guide you through every step:

Initial Assessment - We provide thorough damage documentation and help you understand what your insurance should cover.

Insurance Coordination - With your authorization, we communicate directly with adjusters and provide detailed estimates that ensure nothing gets missed.

Quality Restoration - Our licensed team completes repairs using materials that match or exceed your original installation, protecting your home's value and your family's safety.

Follow-Through - We handle supplemental claims and ensure you receive all recoverable depreciation you're entitled to.

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Know Your Rights as a Homeowner

Ohio law protects homeowners during the claims process. You have the right to:

• Choose your own contractor
• Get multiple estimates
• Challenge inadequate settlements
• Request reinspection if you disagree with initial findings

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Don't let insurance companies pressure you into quick settlements that don't fully cover your damage.

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Dealing with storm damage? Contact MK Exteriors for a professional assessment that protects your interests. We'll help you navigate the insurance process and ensure your home gets properly restored – not just patched up.

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