Blog - Restoration 1 of Morris County
CONTACT US TODAY
How to Prepare an Insurance Claim After Storm Damage in Morris County
Following significant storm damage to your home, you’ll be glad you had homeowners’ insurance in place to cover the damages. Your insurance doesn’t just kick in, though. You need to file a claim to activate your coverage and ensure you receive the money to make repairs fast. Unfortunately, too few homeowners know how to properly file an insurance claim after storm damage in Morris County.
Your local restoration company is here to help. With vast experience dealing with insurance companies the nation over, we’ve learned a thing or two about filing a storm damage claim.
Insurance Tips Before Storm Damage Restoration
A big storm is liable to bring about heavy rainfall and winds. The damage you may face could be considerable, depending on how long the storm lingers and which areas it affects the most. In and around your home, you’ll likely notice the damage focused on the roof, siding, and foundation of your home.
For such damage, you want to file an insurance claim. Here are a few tips and how to prepare an insurance claim for recent storm damage in Morris County.
- Contact your insurance company as soon as you can. You’ll need your policy number and the best phone number to reach you for a return call. Also, the sooner you call, the sooner the insurance team can get started on your claim. It can take a few days for an adjuster to visit your home.
- Document all of your losses caused by the storm. You want to take photographs or videos of the damage to your possessions and home, including roofing, broken windows and flooding.
- Do not throw any items away. The insurance company’s adjuster will want to closely examine everything, so be sure to keep everything and do not begin any permanent repairs. You can, however, mitigate damage in the meantime.
What to Do Before and After a Storm
- If the storm is still ongoing or is coming soon, place sandbags around the perimeter of your home — especially if you live at the base of a hill — to prevent significant flooding or water damage.
- Keep rolled-up towels along the doors to prevent water from coming in through the cracks at the bottom.
- Do your very best to keep your gutter system clean to reduce the risk of a roof leak or flooding.
- If your home was damaged during the storm, document the damages and safely inspect the severity of the problem.
- If you file an insurance claim and it is rejected, ask for a detailed explanation as to why. You can then resubmit the claim or fight them.
In the aftermath of a severe storm, when you need help filing an insurance claim, come to Restoration 1 of Morris County. We offer 24-hour property restoration services and have experience working with most major insurance carriers. Give us a call at 973-668-7030!
