Storm damage can be too much to handle, but a well-handled insurance claim can make things a lot easier. If your roof is missing shingles, siding is dented, or windows are broken, you need to know what to do next. You can get your home and money back on track if you take the appropriate actions.

We’ll show you the best way to deal with storm damage insurance claims. With the guidance of trusted pros, you’ll discover how to avoid common mistakes and make sure you get the coverage you need.

Start with Smart Documentation

When it comes to immediate actions post-storm, thorough documentation is your first and most crucial step. The strength of your insurance claim depends on how clearly you record the damage.

What Should You Record?

  1. Photos of all damage: Roof, siding, gutters, windows, and more
  2. Wide and close-up shots: Capture the full extent and details
  3. Time-stamped videos: Especially useful for showing hail damage or active leaks
  4. Inventory of affected areas: Take notes as you go to reference during claims calls

By taking detailed photos and videos of all property damage before you begin cleaning up or making temporary repairs, you provide the visual evidence required by adjusters to substantiate your loss. This documentation creates a strong case when your insurer evaluates your coverage and ensures that the full extent of the damage is accurately reflected in your settlement.

Schedule a Contractor Inspection Early

One of the smartest steps is to get a licensed contractor on-site quickly. Addressing any concerns upfront reduces the risk of costly delays or complications that could affect your financial protection.

Why It Matters

An early contractor inspection can significantly impact your project’s success and insurance coverage.

  • Contractors identify hidden damage insurers might overlook
  • They provide detailed reports that support your claim
  • Their expertise ensures repair estimates reflect real replacement needs

At Advantage Construction, we’ve helped thousands of Minnesota homeowners get full claim value by presenting clear, professional assessments to insurance adjusters.

Should You Be Present During the Inspection?

Definitely, yes. Being there during the inspection, especially when your contractor and the insurance adjuster are present, can make a huge difference.

Here’s Why:

Your presence helps prevent common reasons why insurance claims are denied, such as incomplete documentation, overlooked damage, or miscommunication between parties. When you attend:

  • You can point out specific concerns or questions.
  • You’ll hear both parties’ feedback in real time.
  • It helps ensure no damage is missed or downplayed.

This involvement empowers you as a homeowner and fosters clear communication among all parties. Ultimately, your presence can lead to a more thorough and accurate assessment, ensuring your interests are fully represented.

Common Insurance Claim Mistakes to Avoid

Knowing what not to do is as important as following the right steps.

  • Waiting too long to file a claim can lead to denials.
  • Failing to document the damage properly.
  • Accepting low initial estimates without review.
  • Using uninsured or unlicensed contractors.
  • Not knowing your policy’s deductible or coverage limits.

When in doubt, call us. We can help you avoid these missteps from the start.

Don’t Go It Alone: Contractors Can Help Maximize Coverage

Navigating storm-related repairs can be overwhelming, especially when dealing with your insurance provider. That’s where insurance claims assistance from experienced contractors makes a difference.

How We Help at Advantage Construction

Filing a storm damage claim can be complex, especially if multiple parts of your home are affected. A contractor who specializes in insurance restoration can:

  1. We speak the adjuster’s language and advocate for you.
  2. We identify every code-related repair that should be included.
  3. We handle paperwork, repair planning, and adjuster meetings.
  4. We ensure your policy benefits are fully applied.

It’s not just about fixing your home; it’s about getting the full value of your coverage. Our experience makes that possible. With expert guidance, you can avoid delays, reduce stress, and protect the full value of your claim.

Key Takeaways When Filing a Storm Damage Insurance Claim

It might be difficult to file a storm damage insurance claim, but knowing what to do can make all the difference. Here’s a quick list of the most critical things to do:

  1. Right after the storm, take clear pictures and videos of all the damage that can be seen.
  2. Hire a licensed contractor to inspect and record all the problems caused by the storm.
  3. Be present during inspections to make sure your concerns are heard.
  4. Get help from your contractor with your insurance claim to get the most coverage.
  5. Steer clear of common errors, such as delay in filing your claim, the use of unqualified assistance, or fast settlements.
  6. Hire local contractors you can trust, like Advantage Construction, who know how Minnesota’s weather and insurance work.

We Are Your Local Partner for Storm Damage Claims and Repairs

Dealing with storm damage insurance claims doesn’t have to be a battle. With the right documentation and a trusted contractor, you can feel confident that your claim will be handled thoroughly and fairly.

Ready to Get Started? Contact Advantage Construction today to schedule your inspection and get expert help navigating your insurance claim. As Minnesota’s trusted storm repair specialists, we know how to protect your home, streamline your coverage, and ensure high-quality repairs that last.