FAQ’S – Storm Damage Process

The storm damage insurance process typically involves several steps to ensure homeowners receive compensation for repairs or replacement due to covered damages. Here’s a detailed overview:

• Ensure Safety: Prioritize your and your family’s safety. Evacuate if necessary and avoid hazards like downed power lines or unstable structures.
• Document the Damage: Take photos and videos of the damage to your property and belongings before making any repairs. This documentation will be crucial for your insurance claim.
• Prevent Further Damage: Cover holes in the roof or broken windows with tarps or boards to prevent additional damage. Keep receipts for any emergency repairs as these may be reimbursed.

• Understand Coverage: Check your homeowner’s insurance policy to determine what types of storm damage are covered (e.g., wind, hail, flooding).
• Deductibles: Know the deductible amount you’ll need to pay before the insurance company covers the rest.

• Contact Immediately: Call your insurance company as soon as possible to report the damage. Contact Immediately: Call your insurance company as soon as possible to report the damage.

• Timberline will provide a FREE no obligation Inspection and determine the extent of the storm damage.
• Timberline will provide details, and share photos, videos, and a written description of the damages.
• File a Claim: The insurance representative will guide you on how to file a claim, either online, through an app, or via mail.
• Timberline will arrange to meet with the insurance adjuster to inspect the damage. The insurance company will send a claims adjuster to inspect the damage. Our goal is to make sure that you, the homeowner are receiving everything that you are entitled to.
• Assessment: The adjuster will assess the extent of the damage and prepare a report for the insurance company.
• Our professional Project Manager will help you navigate the entire process

Claim Payout. After approval, the insurance company will issue a payment based on your policy terms. This may cover:

• Actual Cash Value (ACV): Depreciated value of damaged items.
• Replacement Cost Value (RCV): Full cost to repair or replace without depreciation.

• Begin Work: Use the claim payout to hire Timberline and repair or replace the damaged areas.

• Final Inspection: Some insurers may require a final inspection to ensure repairs are completed.

Tips for a Smooth Process

• Keep Records: Maintain a file of all communications, receipts, and repair estimates.
• Be Aware of Fraud: Avoid contractors who request full payment upfront or lack proper licensing.

If you need more help with the specific steps or dealing with particular insurance providers, please contact us.