After a major storm hits Rhode Island, thousands of homeowners face the daunting insurance claims process. Here's how to navigate it successfully.
Step 1: Document the Damage
Before touching anything:
Step 2: Prevent Further Damage
Your policy requires you to mitigate additional damage. This means:
Keep all receipts — these emergency costs are typically reimbursable.
Step 3: File Your Claim Promptly
Contact your insurance company as soon as possible. Most policies have time limits for filing storm damage claims. Have your policy number and damage documentation ready.
Step 4: Get a Professional Inspection
Before the insurance adjuster visits, have a roofing contractor inspect your property. A professional can identify damage that's easy to miss and provide a detailed scope of repairs.
Step 5: Meet with the Insurance Adjuster
When the adjuster visits:
Step 6: Review the Estimate
Compare the insurance estimate to your contractor's estimate. Common discrepancies include:
Step 7: Supplement if Needed
If the insurance estimate is too low, your contractor can file a supplement with additional documentation. This is a normal part of the process — don't accept an inadequate settlement.
Working with Peak Exteriors
We have extensive experience with insurance restoration:
Storm damage? Call Peak Exteriors at (401) 300-0323 for a free inspection.