Ronnie McCracken, our local Farmers Insurance agent here in St. Louis, gives us a step-by-step outline of what homeowners need to do to make a claim after storm damage.
How to Make a Claim After the storm
- Don’t go out until the storm has passed and all wind, rain, and flying debris has died down.
- If there is major damage to your roof like a hole or collapsed area, get your family out and bring them to a neighbor, a relative, or a hotel.
- If conditions are safe and you have a low-pitched roof, you can go up and put a trap over it to prevent further damage.
- Call your insurance agent and wait for them to send someone out to check the damage. Don’t try to repair anything yourself.
- Don’t make an insurance claim until you have the assessment of a professional roofer. Once you put in a claim, it will go against you, so it’s best to make sure you know exactly how much damage has been done.
- Don’t wait for storm season to check your insurance policy. Make sure you have a deductible you can manage in case something happens.
- If you know a trusted roofer, you can have them do the repairs and submit a claim for reimbursement afterward. In this case, save all the receipts for what you paid out of pocket.
- Don’t try to assess the damage yourself. Call your agent so they can send their trusted roofers. The roof must have enough damage to receive a full claim, and roofers must make sure that they can work within the claim amount so you won’t have to pay any expenses out of pocket.
Contact Farmers Insurance: The McCracken Agency St. Louis
Telephone: (636) 345-0528 Facebook