Don’t Panic! Storm Damage Repair: A Homeowner’s Guide

We’re used to strong storms here in Hendersonville, Tennessee, and we all know their potential to cause havoc. Seeing how damaged your house is in the aftermath can be overwhelming and emotional. However, inhale deeply—you’re not alone! We at M. Thomas Roofing, your reliable roofing partner, have compiled this guide to give you the information and techniques you need to effectively handle storm damage repair.

A Guide for Homeowners: Steps to Take After Experiencing Storm Damage

1. Safety First

Before venturing outside, ensure it’s safe. Stay clear of downed power lines, as they can be live even if they appear inactive. Wear sturdy shoes and gloves to protect yourself from debris. If your home has significant structural damage, don’t enter. Wait for emergency personnel to assess the situation.

2. Documenting the damage

Once it’s safe, take detailed photos and videos of the damage to your property, both inside and outside. Capture close-ups of areas like damaged roofs, windows, or flooded basements. Include timestamps on your documentation for better record-keeping.

3. Securing Your Property

Take temporary measures to prevent further damage. If your roof is damaged, cover exposed areas with tarps to prevent leaks. Board up broken windows to keep out the elements and deter potential intruders. If you have a functioning fireplace, close the damper to prevent drafts from pulling in rain or debris.

4. Contacting Your Insurance Company

Report the damage to your insurance company as soon as possible. Most insurance companies have dedicated phone lines or online portals for filing claims during emergencies. Be prepared to provide details about the storm, the nature of the damage, and your contact information.

5. Filing a Claim

While filing a claim, be clear and concise in describing the damage. Review your insurance policy to understand your coverage and any deductibles you may be responsible for. Ask questions and clarify any doubts you have about the claims process.

6. Mitigating Further Damage

While waiting for the adjuster to arrive, take steps to prevent further damage. If your roof leaks, place buckets or containers under the leaks to collect the dripping water. If possible, move furniture and valuables away from damaged areas.

7. Beware of Scams

Unfortunately, unscrupulous individuals may try to take advantage of desperate homeowners in the aftermath of storms. Be wary of unsolicited offers for repairs. Do your research and hire reputable contractors with proper licensing and insurance. M. Thomas Roofing has built a reputation for honesty and integrity in Hendersonville, TN, and the Greater Nashville Region.

8. Choosing a Contractor

Get quotes from several qualified contractors before deciding. Ask for references and check online reviews. Don’t be pressured into signing a contract immediately.

9. Working with the Adjuster

The insurance company will send an adjuster to assess the damage and determine the value of your claim. Be present during the inspection and point out any specific concerns you have. Ask questions or request clarification on the adjuster’s findings.

10. Understanding the Claims Process

The claims process can take time, so be patient. However, follow up with your insurance company if you have questions. Keep detailed records of all your communication with your insurance company, contractors, and anyone else involved in the repair process.

11. Starting Repairs

Once the insurance claim is settled, you can begin repairs. Use the agreed-upon funds wisely and prioritize repairs that will prevent further damage to your home. Follow your contractor’s timeline for repairs and ensure they have the permits before starting work. Here at M. Thomas Roofing, we understand the urgency of roof repairs after a storm. We’ll work diligently to get your roof secure and protect your home.

Emotional and Practical Support

Storm damage can be stressful, so reach out to friends, family, or mental health professionals for support. Many communities offer resources and help to homeowners impacted by storms.

Things to Remember

While dealing with storm damage can be stressful, following these steps will help you navigate the process more effectively. Don’t panic; you’re not alone! With a little preparation and guidance, you can restore your home and return to normalcy.

Additional Tips

• Keep a copy of your insurance policy and other important documents in a safe and easily accessible location.
• Consider creating a home inventory list to simplify the claims process.
• Regularly review and update your homeowner’s insurance policy to ensure it adequately covers your needs.

By following these tips and staying informed, you can be better prepared to handle storm damage and minimize its impact on your home and your well-being. Here at M. Thomas Roofing, we’re here to help you with every step.