40,000
According to the North Carolina Department of Insurance, www.ncdoi.com, An average of 40,000 homeowners file a claim each year due to storm damage. The average claim amount is around $8,000. However, the amount can vary greatly depending on the severity of the damage and the cost of repairs.
INSURANCE SUPPORT
Are you feeling overwhelmed by the damage to your property and the hassle of filing an insurance claim?
Let the experts at Black Sheep Construction take the burden off of you. With years of experience working with insurance companies and navigating the claims process, we know exactly what it takes to get your claim processed quickly and efficiently.
Our team will communicate with your insurance company from start to finish, providing the necessary documentation and collaborating with both you and your insurance company to ensure that all eligible items are covered. We understand the importance of getting your repairs done as soon as possible, that's why we'll work with your insurance company to expedite the process and get you back to your normal routine in no time.
Don't let inexperienced contractors prolong the process and add more stress to your plate. Trust the proven track record and expertise of Black Sheep Construction for a seamless insurance claim experience. Contact us today!
Why it's Important to Call Black Sheep Construction for Help Filing an Insurance Claim?
Maximizing Your Storm Damage Coverage in North Carolina
When it comes to filing an insurance claim for storm damage to your home or property, it’s important to have a professional on your side. Our team at Black Sheep Construction has the experience and expertise to help you navigate the claims process and ensure that you receive the maximum coverage for the damage sustained.
In North Carolina, it’s not uncommon for storms to cause damage to homes and property. In fact, according to the North Carolina Department of Insurance, the state experiences an average of 14 major storm events per year, resulting in millions of dollars in damages.
By working with Black Sheep Construction, you can rest assured that our team will thoroughly inspect your home or property for signs of damage and provide the necessary documentation to your insurance company to support your claim. We’ll also work with your insurance adjuster to make sure that the repairs are properly covered. Don’t wait, call us today to schedule an inspection and protect your home.
Types of Property Damage and Coverage
Storms can cause significant home and property damage. Types of damage that homeowners file claims for include wind damage, hail damage, and water damage.
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STORM DAMAGE
According to the North Carolina State Climate Office, North Carolina is among the top 10 states for lightning strikes. These storms can cause significant damage to homes and properties, with wind and hail being some of the most common types of damage
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WIND DAMAGE
According to the North Carolina State Climate Office, North Carolina averages 30-40 thunderstorm days per year, with the wind being the most common severe weather hazard.
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HAIL DAMAGE
According to the North Carolina Department of Insurance, hail is the second most common cause of property damage claims in the state, with an average of over 20,000 hail damage claims filed each year.
INSURANCE CLAIMS
Handling storm damage insurance claims can be quite intricate and demanding
Handling storm damage insurance claims can be quite intricate and demanding. Here are some steps and tips to assist you in the process:
Immediate Contact: Reach out to your insurance company as soon as possible to report the damage. Determine if the damage is covered, the timeline for filing the claim, your deductible, and any immediate steps they recommend (PolicyGenius).
Temporary Repairs: To prevent further damage, make temporary repairs where feasible. Keep all receipts for potential reimbursement and don’t overspend on these temporary fixes as they may affect your total claim value (PolicyGenius).
Documentation: Document all damage with photographs and keep receipts for expenditures related to temporary repairs and additional living expenses if you need to relocate temporarily (PolicyGenius) (Insurance Claim Consultants).
Professional Inspection: Consider having a professional inspection, especially for areas like your roof, to ascertain the extent of damage, which can sometimes be subtle but significant, like granule loss on asphalt shingles (Hedrick Construction).
Adjuster’s Visit: An insurance adjuster will inspect your property. You have the right to have a professional present during this process, and if there is a disagreement on the damage assessment, you can request a re-inspection (Hedrick Construction).
Filing the Claim: Complete the claim forms with accurate information on the damage and send them promptly to avoid delays (PolicyGenius).
Payment of Claims: Insurance companies typically issue a check for the actual cash value first, followed by a recoverable depreciation amount after repairs are complete. All you’re responsible for is the deductible (Hedrick Construction).
Policy Review: While repairs are ongoing, review your insurance policy to ensure you’re adequately covered for the specific type of storm damage you’ve experienced (PolicyGenius).
Coverage Specifics: Most homeowners insurance covers a variety of storm-related damages including water and ice damage, wind, hail, and fallen trees, but usually excludes flooding which often requires separate flood insurance (Kin Insurance).
Expert Assistance: For complex cases, hiring a public adjuster can be beneficial. They can expedite the claim process and ensure all damage is accounted for, which is particularly useful when dealing with inexperienced adjusters from the insurance company after a major storm (Insurance Claim Consultants).
Remember, it’s crucial to understand your insurance policy details, as coverage can vary greatly. If your policy includes storm-related damages, it usually covers the cost of repairs or replacements, minus your deductible. It’s also worth noting that filing a claim may have an impact on your policy premium or discounts, especially if you’ve been receiving a ‘claims-free’ discount.
For more detailed FAQs on storm damage and insurance claims, you can refer to these comprehensive resources: