Tips for Working with Homeowners Insurance After a Storm

Home Insurance Tips: The Guide to Successfully Filing a Claim

Going through homeowners insurance can often be more than just stressful—it can be downright confusing. Figuring out what types of repairs are covered by your home insurance policy and what will be an out of pocket expense is difficult, and if this is the first time you’ve had to contact your homeowners insurance company, it can be hard to know where to start. In our guide full of home insurance tips, we de-mystify the process of filing a claim.

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Filing A Homeowners Insurance Claim 101

First things first: whenever your home sustains significant damage, you need to contact your insurer no matter the time. Then you’ll need to photograph everything so you can prove your loss to the homeowners insurance adjuster. But that’s just skimming the surface. There’s a lot to keep in mind as you file a claim to minimize the risk of having it be denied.

A reputable roofing contractor should guide you through dealing with your home insurance company.

In this guide, we give you a step-by-step checklist for filing a claim from spotting damage to contacting your homeowners insurance company to dealing with your adjuster.

Finding the right contractor: The exactimate advantage

Xactimate, often misspelled as “Exactimate” is a software used by many reputable roofing and construction contractors that sets price ranges for common home repairs.

Essentially, “Exactimate” takes the guesswork out of getting the cost of home repairs approved by your homeowners insurance company.   Working with a roofing contractor that uses “Exactimate” for insurance claims lessens the chance your claim will be denied.

In this guide, you’ll learn how to find a contractor that will work within the guidelines of your homeowners insurance policy.

Whether you noticed your home’s roof is failing, or your home has just sustained significant storm damage, learn what you need to know about conducting repairs through homeowners insurance. Fill out the form to download our home insurance tips guide.

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Excellent service from the entire Wildwood team. I live out of state and they took care of my property through the entire roofing & siding process. Highly recommend.

Jennie Barker

Wildwood was recommended to me by a neighbor. They were very responsive to my request for an evaluation of storm damage. When the insurance company declined to replace my roof, Wildwood worked with me to repair the damage in a timely and affordable way.

Vickie Cochran

Did my roof of my house and was done within 5 hours and did a fantastic job and cleaned up afterwards

Marsha Norman

Elliott was very responsive and thorough as we worked through all the details related to replacing our damaged roof and gutters. Always available to answer questions and provide recommendations based on past projects or previous client designs.

Jeff Cobb

We had a terrific experience with Wildwood Roofing and the representative Elliott Emann. I would highly recommend their services.

Brook Mullen

Luke worked directly with State Farm to get our roof replaced due to storm damage. He met the State Farm adjuster at our house and pointed out the damage he’d seen. After the insurance claim was approved, we received a bid matching the estimate provided by State Farm. The shingles were delivered a couple of weeks later, and replacement began the following day. The crew of 20 installers arrived early to cover bushes with plastic and protect windows by leaning plywood against them. Removal of the old roof began about 8:00am, and the whole job was completed by noon. Except for a couple of nails and small pieces of shingle we found over the coming days, they did a great job of cleaning everything up when they were done. We were very pleased with Wildwood’s work, and the roof looks great.

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