What You Need to Know About Storm Damage

October 28, 2022

When a storm rolls in, the wind can cause significant amounts of damage to your home. Whether you’re now dealing with a few missing shingles, broken windows, or flooding in the basement, you’ll want to know where you stand and what to do. Fortunately, help is available.


You Need Professional Assessment and Repairs


A few tree limbs in the yard may not be cause for concern, but if there’s any damage to the home, it’s best to hire a professional to come in to assess the damage. In some cases, the worst damage is unseen. If you leave these problems untreated, you’ll have bigger problems in the future. An assessment should be affordable, and you can then make an informed decision about repairs.


Insurance May Cover the Cost of Repairs


Storm damage is the perfect time to call on the insurance company for a bit of help. You’ll have to pay the deductible, but most companies cover many different types of damage. However, if you live in an area that’s more likely to have hurricanes or flooding, those damages might be excluded unless you’ve added a rider onto your plan. Many contractors work directly with insurance companies for payment.


Insurance May Not Cover All Costs


People are often surprised when the insurance company doesn’t pay for the entire cost of repairs. That’s because the company only pays the amount that the damaged property was worth. For instance, shingle roofs typically last only 20-25 years. If your 18-year-old roof was damaged in a storm, the insurance company won’t pay the full price of a brand new roof. After all, you would have had to pay your own money to replace it soon. Homeowners are usually able to make a decision about repairs after learning how much the insurance will cover.


If your home’s been damaged, it’s smart to have it fixed as soon as possible, contact MGM Restoration today for all your storm damage needs.


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