June 11 is the one year mark from last year’s storm damage.
As we head toward another severe weather season, we’re reminded of all the damage a storm can do.
Last year many neighborhoods had to get their roofs replaced due to the massive storms that hit the west metro. But it’s not too late if you were one of them.
There’s a lot of work that still needs to be done! About 150,000 homes were impacted by that storm and that number is growing as people realize they had damage.
What’s affecting most homeowner’s right now is the timelines involved with filing a claim. Most insurance companies only allow one year from the date of the loss to either file a claim or have the work done.
Think your house might be damaged?
Sometimes damage is obvious, but hail damage is harder to spot. Have a professional look at it. Getting on the roof to look for shingle damage can be dangerous, so inspect your gutters and facia first. If that soft metal doesn’t have dents, you likely don’t have shingle damage. If they do, look for any damage on your roof vents next. That’s a tell-tale sign of shingle damage.
Spotting shingle damage is tough because shingles have lots of little imperfections. You need a trained eye. Call a contractor. Like All Around, many will do a storm inspection for free.
The clock is ticking.
For most people, you have one year from when the damage occurred to complete work or file a claim. That’s June 11 for anyone hit by last year’s big storm. But every policy is different, and can change from year to year, so know what your coverage is.
Before filing a claim, know how much damage you’re dealing with. Then, figure out what you’re coverage is. Also, don’t sign up with the first contractor to show up at your door. Ask for references and try to work with someone local. Avoid storm chasers. They roll into town and then disappear as soon as the work is done.
For 2018 you can get ready by making sure your roof drainage is good, and your sump pump is working.
Your best line of defense against summer storms is knowing what’s in your insurance policy.
Have a relationship with your agent, know what you’re buying, and be prepared. Look at your policy every year to see what your hail and wind coverage is. Even meet with your agent annually so you have a good working relationship.
Most people have full-replacement coverage, but policies are getting slimmer and slimmer and you need to know the ins and outs of your plan.
Remember, June 11 is the one year mark from last year’s storm damage.