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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What Our Customers Say

Wow! After the storms mid April of 2023 I had water pouring into my kitchen and was stunned. Wildwood roofing had been in my neighbourhood in the past and they came up #1 on Google when I searched for licensed and bonded roofer in 63021. They were extremely responsive and I was in touch with Jay H. within less than a day. Once he heard that there was water that leaked into my house he changed his plans and came immediately to my house to inspect for damage. Keep in mind that the whole area had been hit by storms and he still made the time to come out.Working as a team with the insurance company Mike B. showed up to my house to be there and hear what they had to say. It is evident that Wildwood communicates well because Mike told me that Jay had contacted him early that morning so that he could be present with the claims adjusters. After the insurance inspector give me some unexpected news Mike told me that they’d help in anyway they can. While going through my file cabinet I found an old invoice from the roof repair done in 2015 which was done by another company and I was straight forward with Jay about the other company assuming responsibility. Upon hearing this he remained professional, saying nothing negative about his competition and offered continued help if we needed it. Wildwood roofing is VERY professional and responsive!I would 100% recommend them to anyone who asks for a reference.

Derek Husgen

Professional and up front about costs and scope of repair. Had a couple of companies provide estimates, and Wildwood Roofing and Michael Burnett was the only service that did not try to sell additional products or try to get me to replace my entire roof.

Jeremy Scott

Great job by the Wildwood team. The siding looks great and really improves the appearance of our home. I would highly recommend Wildwood roofing.

Gerard Wood

Worked with insurance company on supplemental claim. Work done professionally, on time, good job of cleanup. Work completed in time promised. Would recommend.

Jeff Grady

The absolute best construction company for all of your Roofing siding and gutter needs in the St Louis area!

brian burke

I highly recommend Wildwood Roofing. I was thoroughly impressed when my challenging situation wasn’t getting resolved, not only did the lady in the office reach out directly to two of their top workers, but they were very responsive to come out right away, and on more than one occasion. Very professional.

Guinevere Lorenz

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