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After the Storm: How to Settle with your Insurance Company


Major storms bring heavy rain, hail, and wind. On the insurance front, people who suffer property damage and losses from a large storm face possible problems collecting policy benefits to pay for repairs to roofs, ceilings, floors, etc. Oftentimes homeowners and businesses face a second nightmare after a storm passes when they start dealing with their insurance companies. Particularly after a large storm or hurricane, consumers and business owners have to “do battle” with their insurance companies to reach a full and fair settlement.


To minimize damage and give you peace of mind in the event of a storm, here are some helpful tips to keep in mind before and after a severe storm:


  • Prevent water from getting into your home or business by placing rolled up towels along the inside of exterior doors.

  • Place sandbags around the perimeter of your home if you live on or at the foot of a hillside.

  • Keep your gutters clear if possible, but stay safe throughout the storm.

  • Move valuable belongings up from lower levels and away from doors and windows.

  • Review your insurance policy. Check the wording on water damage and the amount of your deductible.

  • Take photos of your home that could be damaged (windows, siding, roof, and interior) and your possessions.

  • Get quotes from professionals. While your personal walk around assessment is important, a professional opinion will be thorough and may mean more to your insurance provider. A storm damage specialist like Jonas Independent Contracting specializes in finding, assessing, and repairing damage from storms and will check your home or business from roof to basement.

  • Beware of scammers. Unfortunately, storm damage can bring scammers to your area with promises of quick and cheap repairs. Whether you’re filing an insurance claim or not, research anyone who offers to repair your home. Look for contractors like Jonas Independent Contracting who are licensed, insured, and experienced.

  • Mitigate your damages. If the storm affected a large area, you may have to wait awhile before a storm assessor can review your damage and maybe even longer before you can get it fixed. In the meantime, you’ll want to take steps to prevent further home or property damage. This could include tarping your roof, cleaning a wet basement, boarding up holes and more. Document the damage, then document how you’re taking steps to protect your property.

  • If your home or business was damaged, focus on creating a summary of everything that was compromised and what it will cost to repair or replace.

For many homeowners and business owners, filing an insurance claim can be intimidating. Jonas Independent Contracting has positive relations with insurance companies and bring our expertise to help homeowners and businesses to get the maximum claim coverage. We notify the insurance company of your loss and ensure they have proper documentation, then negotiate with the insurance company for a fair settlement. This is why we have many happy customers. We work hard to establish a great reputation in the Charlotte area.


So if your home or business faces storm damage in the future, keep Jonas Independent Contracting in mind and contact us at 704-956-0221.


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