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Navigating Your Claims Process: Seven Simple Steps

By Storm Guard
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After a major storm, dealing with your insurance company and lining up repairs can feel overwhelming. At Storm Guard Restoration Services we have broken our process into seven clear steps so you always know what happens next. Many of our services, including emergency service and inspections, are available around the clock, and our inspections are free with no obligation. You stay in charge of your insurance claim from start to finish; our job is to document the damage, give you a clear repair estimate, and do quality work we stand behind.

Here is how we help you get your home back to normal after a storm or other significant damage.

1. Free Property Damage Inspection

We start with a thorough, no-obligation inspection of your roof and exterior to find and document storm damage, and we give you an initial estimate of the repairs we recommend. We photograph and date everything we find so you have a clear record of the damage.

2. File Your Claim With Your Insurance Company

You file the claim directly with your insurer and stay in control of it the whole way. With your permission, we are glad to share our inspection report and repair estimate with you and, if you ask us to, with your adjuster. We do not negotiate, adjust, or settle the claim for you; that is between you and your insurance company. If you and your insurer end up disagreeing about the scope or price of repairs, that is yours to work out, and a licensed public adjuster or an attorney can represent you if you want that kind of help.

3. The Insurer Assigns an Adjuster

Once your claim is filed, your insurance company assigns an adjuster to inspect the damage. We are happy to be on site for that inspection so we can point out and explain the storm damage we documented. Having your contractor there to walk the roof with the adjuster helps make sure nothing gets missed.

4. The Adjuster Meeting

The adjuster works for your insurance company. Their job is to assess the damage and help your insurer decide what your policy covers and what it will pay. You will receive your insurer’s estimate and claim decision, so review it against our inspection to understand what is and is not included.

5. Material and Color Selection

This is the fun part. Once your claim is approved and you are ready to move forward, we help you choose the colors and products for your home’s new exterior from a range of samples. When you have made your choices, your project moves into our production schedule.

6. Rebuilding

Our trained, certified crews deliver the materials and restore your home, protecting its value and appearance. We keep you updated as the work moves along.

7. Final Inspection

When the work is done, our inspectors go back over every repair to make sure it meets our standards, and we handle any touch-ups while we are on site, so you know the job was done right.

That is our seven-step process for getting your home repaired after a storm: you stay in control of your claim while Storm Guard handles the inspection, documentation, and quality construction. Your local Storm Guard team is ready to help, 24 hours a day.

This article is general information about our restoration process, not insurance or legal advice. What your claim covers depends on your policy and your insurer’s decision. For guidance on your specific claim, talk to your insurance company, a licensed public adjuster, or an attorney.

Frequently Asked Questions

Who files my insurance claim after storm damage?

You do. You file the claim directly with your insurer and stay in control of it from start to finish. Storm Guard’s role is to inspect and document the damage, give you a clear repair estimate, and do quality work, not to file the claim for you.

Does Storm Guard negotiate with my insurance company?

No. We do not negotiate, adjust, or settle the claim for you, that is between you and your insurance company. If you and your insurer disagree about the scope or price of repairs, a licensed public adjuster or an attorney can represent you if you want that kind of help.

What does Storm Guard do during the adjuster’s visit?

With your permission, we’re glad to be on site to point out and explain the storm damage we documented, which helps make sure nothing gets missed. The adjuster works for your insurance company and helps your insurer decide what your policy covers.

What are the steps in the claims and restoration process?

There are seven: a free property damage inspection, filing your claim with your insurer, the insurer assigning an adjuster, the adjuster meeting, material and color selection once the claim is approved, rebuilding, and a final inspection.

Is the Storm Guard inspection really free?

Yes. Inspections are free with no obligation, and many services, including emergency service and inspections, are available around the clock.

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Unless otherwise noted, each use of "Storm Guard," “us,” “we,” or “our” throughout Stormguardrc.com collectively refers to both the Storm Guard brand and the Storm Guard Franchise System, which is made up almost exclusively of independently owned and operated franchise locations.