Step 0: Document Everything
Document everything. Just incase you end up taking this to your insurance company it is important that you have documentation every step of the way.
Step 1: Mitigate Further Damage
The first step is to stop any further damage to your home. Get an emergency tarp done If you have a leak and it is still raining or will be again shortly. If you have any branches that punctured your home immediately have a tree removal company remove the tree and tarp the area.
You always want to stop any further damage from occurring.
Step 2: Assess the Damage
If you suspect you have damage to your home, or even if you are positive the next step is to get a professional out to your home to assess if there seems to be enough damage to warrant a claim. Our suggestion is to have a local roofer that you trust check your roof, siding, and gutters.
Step 3: Ask Questions
No matter what that professional tells you we suggest asking as many questions as you need to understand what your options are. We also suggest asking for pictures. If they say your roof has hail damage, then you should be able to see it in pictures. If you are left unsure at all, get a second opinion.
Step 4: Follow Advice
We suggest following the advice of the professional you asked advice for, if you need any more advice always call your agent and let them know what steps you have done so far.
You don’t want to file a claim unless it is necessary. At the same time, if you have significant damage then you should file a claim. It can be tricky, don’t just guess.
If you are in our service zone give us a call at 618-476-1480 and we would be happy to do a free storm inspection.