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

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

Luke did a fantastic job from start to finish. Easy to work with and did what they said. Also helped when additional damage was found. He did an A+ job as far as I am concerned

Gary Potter

After the hail storm back in April of 2023, we needed to hire a roofing company. Immediately following the storm, there were lots of people knocking daily on our door from various roofing companies I never heard of. I went with my instinct and called a reputable company that I heard of and was referred to, which was Wildwood Roofing & Construction. Doug Lake from their company showed up as promised, assessed everything and prepared a proposal that included the repairs needed and suggestions. He then went over it with me and my wife, was very honest about what he would do and helped us choose the best look, quality and durability. We are SO GLAD we hired them. The roof was installed and the installers took extra precautions to protect our windows, deck and driveway. They also cleaned everything up that day and came back the next to check it again and do a follow up call. Doug also sealed up a light for me that had nothing to do with the roof, but it was concerning me, so he fixed that too. Doug handled everything with the insurance company and kept me informed of the process. Great company, very professional and caring about the customers property. I HIGHLY RECOMMEND THEM to anyone needing their roof replaced.

Robert Barger

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

Wildwood Roofing came through on a VERY tight schedule whileworking around some STL winter temperature swings. Employees were great to work with. Met all my expectations.

Diana Camden

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