Navigating a Storm Damage Claim in Tennessee
Severe storms aren’t limited to coastal communities. Even the Midwest can see some pretty strong storms and this also applies to some southern states further away from the coast like Tennessee. Even though the chances of a hurricane slamming into Tennessee are pretty slim, tornadoes can be devastating.
Even a strong thunderstorm or wind event can be just as disastrous as a coastal storm. Navigating storm damage risks to Tennessee properties usually means walking around the perimeter making any necessary repairs and picking up potential debris.
However, sometimes assessing and minimizing any risks isn’t enough to prevent storm damage. When this happens, you’re filing an insurance claim. Navigating this process is rarely easy. Remember you’re dealing with an insurance company. However, you can take a few steps to help the process go a little more smoothly.
Common Types of Storm Damage to Tennessee Homes
A storm can cause just about any type of property damage you can think of. Here’s a look at some of the common types of damage that often make it into property damage claims:
- Roof Damage – Missing shingles, leaks caused by wind or hail, and holes from fallen branches.
- Window Damage – Broken or cracked glass, damaged frames.
- Structural Damage – Foundation issues, damage to walls or framing caused by extreme winds.
- Water Damage – Flooding, and leaks can lead to mold, rot, and other issues.
- Fallen Trees and Debris – Damage to fences, landscaping, and even your home.
Thankfully, your homeowner’s insurance policy should cover all of the above-listed types of storm damage. However, it’s a good idea to read your policy carefully, including all of the fine print. For example, flood damage may not be covered under your general policy.
Typically, flood damage is covered by a separate policy. However, water damage not caused by a flooding event is usually covered. Yep, one word can make all the difference in whether your water damage is covered or if you need to think about getting a separate flood insurance policy.
Steps For Filing a Storm Damage Claim
Yes, the storm blew off portions of your roof, and tree branches have dinged your car. Take a deep breath and start checking to see if everyone on your property is safe. If you didn’t wait out the storm in your home, don’t go rushing inside. Take a minute or two to check the structure. If the damage seems extensive, don’t go inside. Wait until a home inspector has assessed the damage. The inspector will let you know if the building is safe to enter.
Document Everything on Your Property
Sometimes being brief is best. This isn’t one of those times. You want to go overboard documenting your property damage. Usually, this is key for successfully settling a property damage claim. Grab your smartphone. Chances are it made it through the storm relatively undamaged.
Open the camera app and get to work. Use both the camera and video features. You’re going to take tons of pictures and videos of all of your property damage. Don’t worry if you think the damage is minor, go ahead and document it anyway.
Make sure to take plenty of pictures inside and outside of your home. Either record or jot down the date and approximate the damage that occurred. Don’t forget to include an explanation of how the damage happened. Don’t presume your insurance agent just went through the same severe storm.
Contact Your Insurance Provider
Are you a natural procrastinator? If so, now’s a great time to break the habit. You never want to put off filing an insurance claim. All it does is delay the process while also making it significantly more complicated.
Before picking up the phone, jot down any questions you may have. Chances are, you have at least a few questions about your policy and/or insurance claim. Have your policy information ready. This will make the process go a lot more smoothly. Be ready to answer questions from the insurance adjuster.
The insurance company is going to have plenty of things to ask. Don’t be surprised if the adjuster shows up at your property. This is a normal step in the claim process and it’s usually a sign your case is moving through the process.
Prevent Additional Damage
Your homeowner’s insurance policy isn’t going to cover any damage that occurs because of your neglect. This includes additional damage after a storm. For example, the storm partially brings down a tree branch that’s hanging over your vehicle. Instead of moving your car and removing the branch, you simply let it fall. If the branch lands on your vehicle, this damage usually isn’t recoverable.
The reason it’s not covered is the insurance company considers it preventable. If you had either moved your car or the tree branch, the damage wouldn’t have occurred. Take a walk around the property and clean up anything that could cause additional harm. If you can’t safely remove any hazards consider calling in a professional.
Keep Everything Relating to the Storm Damage
Your property insurance should cover most if not all of your storm damage. However, before you can recover compensation you’re going to need to provide proof. This includes any photos and videos of the damage. If necessary repairs are underway like replacing your roof, save all of the bills, receipts, and project estimates. You’re going to need to submit all of this to the insurance adjuster.
Something you may want to do is get more than one estimate or project quote. Insurance companies love having options when paying out claims. Think of it as reassuring the insurance company you’re not going with the highest estimate. While collecting project quotes can be annoying it can also help speed up the claim process.
Recovering After Storm Damage in Tennessee
The Volunteer State sees its share of severe storms every year. As a homeowner, there’s a good chance you’re going to be dealing with storm damage at some point. While navigating the insurance claim process can be a nightmare, you can take steps to make it a little easier.
