Wind Damage Claims Help For Policyholders In NC, SC, VA

Have You Had A Recent Wind or Hail Storm In Your Area? Do You Even Know If You Have Storm Damage Or Not? Should You File A Claim Or Not?

Many home and business owners can see damage to their properties. However, most wind and hail damage cannot be seen. Not having your home properly inspected can result in tens of thousands of dollars in damages over and above the damages caused by the storm — and you’ll be out of pocket for those damages by not properly submitting the wind damage claim to your insurance company.

How do you know if you have damages to your home or business that will be covered by your insurance policy? You may have seen damage to your property or your neighbor’s property, but most people have not. Many property owners are asking themselves, “When I look at my roof, I don’t see any hail or wind damage. What’s all the fuss about?”

Hail and wind damage cannot always be seen very easily most of the time. You usually will never see actual holes or indentations from hail or even missing shingles from the wind. However, small amounts of hail and wind damage will drastically shorten the life of your roof, your siding, the paint or stain on your exterior, window screens, and more. If you have noticed neighbors getting work done, you can be 99 percent sure that you will need a new roof and may have other covered damages to your property as well. It can’t hurt to have your property inspected by a State Licensed Insurance Adjuster. An inspection from a licensed storm inspector/adjuster will give you peace of mind. When your inspection is completed, you will be able to make an informed and educated decision on whether you should file a claim or not.

Wind Damage Claim Tips And Help For Homeowners And Business Owners That Have Property Damage From High Winds

Roofing shingles, siding, and even brick are made to protect your home or building against the weather. However, high winds that often accompany most storms can cause significant damage, both seen and unseen. It is so important to realize that not all wind storm damage is obvious. In fact, it’s the hidden damage that can cause significant problems many weeks, even months after the wind storm has passed through.

No one wants to find out many years after a storm that they have tens-of-thousands of dollars in damages to their home or building. Especially if the cost for damages could have been paid for by their insurance company for much less than what was really needed.

One of the biggest problems we hear about is from policyholders who are caught in the middle of their contractor and insurance adjuster. “How do I know if my insurance company is trying to low-ball me, or if this contractor is trying to sell another job?” Hence, the reason you should have an unbiased wind damage inspection of your property. Not doing so can be very costly.

What Is The Most Costly Wind Damage Mistake Made By Most Policyholders?

It’s hard to imagine that almost all policyholders who have been through a windstorm event will rely solely upon an insurance company adjuster’s assessment and estimate of the damage to their home or business. Policyholders will allow their insurance adjuster to inspect their home or building, will actually allow them to process their entire claim, and generate an estimate of wind damage for their entire claim… without even asking any questions and/or without even considering or asking someone else if the insurance adjuster is correct!

Wind Damage ClaimsEvery day there are policyholders who are accountants, doctors, lawyers, teachers, and considered socially intelligent, unknowingly accepting the adjuster’s calculations for their wind claims. They hand over their full trust to the adjuster who works for their insurance company, without obtaining any assistance from other professionals, or consulting with a wind or storm damage claim professional. This has to be, without-a-doubt, the most costly insurance mistake people can ever make in their lifetime. As if it’s not bad enough that people have suffered wind damage, to then just simply rely on someone else — who is not really there to look out for you — to visit your property, inspect your storm-related damages, generates a biased valuation of the loss, and then completely trust that they have your best interest in mind.

Don’t Make This Mistake!

Incredibly, policyholders permit this to happen on most wind damage claims, day in and day out. For the majority of us, it’s human nature to be mindful and cautious of scams, we even count our “change” at the grocery store checkout line, as well as diligently check over our restaurant receipts to see if our waiter tried to add food or drinks we really didn’t order. We all do such things and don’t even realize it. Surprisingly, we will go totally out of our way to calculate and value the “small potatoes” in life. However, when a claim contains tens-of-thousands and even hundreds-of-thousands of dollars in damages, we will confide in an insurance adjuster that ultimately is calculating damages for both sides of the wind damage claim. Where would you expect and believe that adjuster’s loyalty and commitment will be? To you, or the insurance company they work for?

No individual is as in tune or knows your property like the owner does. Really, who knows your property better than you? In a wind damage situation, there are things needed to prepare and properly calculate for the wind damage claim. In most cases, items and details are omitted or missed by the adjuster, the property owner, and their contractor during the claim process. Each is an expert at their own job or career. Is your adjuster a roof expert? Costly mistakes are made by insurance adjusters on a daily basis. Now imagine your entire claim is all prepared and calculated solely by a representative of your insurance company.

Your insurance adjuster doesn’t really know everything about your home or building. If you have suffered water intrusion, the adjuster doesn’t really know everything about your contents (furniture, clothing, etc.) like you do. How can an insurance company adjuster possibly be as accurate about your property and belongings than you? In addition, just because the insurance company sends an adjuster to visit and inspect your property for wind damage, does not automatically make them an expert builder, contractor, or even certified in wind damage restoration.

As insurance claim professionals since 1998, For The Public Adjusters has reviewed thousands of claims and have found that both insurance adjusters, policyholders, and contractors have unknowingly and will often miss hidden damages caused by wind. The fact is that in almost all instances, it is better to have a qualified, wind damage representative review your claim. Our Public Adjusters have been insurance damage contractors and licensed insurance adjusters. We know both sides and are experts on both sides. You should consider speaking with and using a qualified Storm Damage claim expert that will be looking out for your best interests. After all, it’s free to simply speak with someone to get a feel for where you stand (919-400-6440).