Storm Damage Insurance Claims Assistance

Handling insurance claims for storm damage can be challenging. The terms and conditions are complex, the paperwork is tedious, and there’s a high risk of not receiving the desired amount or facing increased premium rates for any mistakes made. That’s why it’s crucial to hire a professional restoration company to restore your storm-damaged property and assist you with insurance claims.

Express Water Damage Restoration is a licensed and insured local restoration contractor that has been providing services since 1976. We operate in various locations, including Temecula, California, Vancouver, Washington, Fort Lauderdale, Florida, Charlotte, North Carolina, Denver, Colorado, Phoenix, Arizona, and other locations served. We offer free insurance claim assistance throughout the entire process of storm damage restoration. Additionally, we have the capability to bill insurance claims directly to your insurance provider. Contact us today at 817-203-2944 for a free estimate and inspection.

Concerns with Insurance Claims

1. Fear: The average Colorado homeowner pays $3,429 in annual home insurance premiums but only makes a claim once every 9 years. This fear is often rooted in concerns about potential rate increases or policy cancellation when filing a claim.

2. Not Filing a Valid Claim: Many people fail to file valid claims because they lack understanding of insurance policies. They may be unsure of which claims can raise their rates, how to avoid insurance claim loopholes, and other related factors.

3. Filing an Unnecessary Claim: Homeowner’s insurance is designed for significant events such as fires, hail or wind storms, or major tree damage to your home. It’s important to file a claim only when the damages exceed the deductible (typically 1% or 2%) to make it worthwhile. Unfortunately, some individuals file claims for minor damages (e.g., theft of a bicycle or a single broken window), leading to higher costs and complications in the long run.

4. Choosing the Wrong People/Company to File Your Claim: Individuals who are unfamiliar with the claims process may make the mistake of selecting the wrong insurance adjuster , resulting in claim failures. To avoid unnecessary expenses and fruitless claims, it’s recommended to have a reputable restoration contractor conduct a free inspection if you’re unsure about the extent of the damage.

5. Storm Chasers/Scammers: During large-scale storms, dishonest contractors known as storm chasers may approach homeowners with false promises and deceptive tactics. They often take advantage of vulnerable individuals, including the elderly, using aggressive sales strategies and inflated charges. Some may even request upfront cash payments and then disappear, while others create fake damage to persuade insurance companies. It’s important not to fall into their traps.

6. Public Adjuster: Public adjusters are trained to assist with filing and assessing insurance claims. However, they don’t have any special abilities to expedite decisions or improve the chances of approval. Moreover, they typically charge 10% of your claim, potentially leaving you with insufficient funds for repairs. It’s generally better to file the claim yourself or seek help from a restoration contractor.

7. Not Paying the Deductible: Failing to pay the deductible is a common mistake made by homeowners. It’s important to note that not paying the deductible is illegal, and participating in such a scheme may constitute insurance fraud.

8. Accepting a Denial: Insurance companies often deny or underpay claims that should be covered. Pursuing legal action can be expensive and time-consuming, leading to only about 20% of denied claims being successfully challenged.