Storm Damage in Metro Detroit? What Homeowners Need to Know Before Filing an Insurance Claim
The recent storms across Metro Detroit brought damaging winds, hail, heavy rain and tornado activity to Southeast Michigan. For many homeowners, the cleanup is only the beginning.
If your home sustained storm damage, one of the biggest questions you may have is:
“What do I do now?”
Filing an insurance claim can feel overwhelming, especially when you're trying to determine what was damaged, what your policy covers and how to make sure the necessary repairs are properly addressed.
That's where having the right contractor on your side can make a difference.
Don't Assume Your Home Is Fine Just Because You Can't See Damage
Storm damage isn't always obvious from the ground.
High winds and hail can damage:
Roof shingles
Roof flashing
Vents and other roof components
Siding
Gutters and downspouts
Fascia and soffit
Windows and screens
Exterior trim
Areas around chimneys and roof penetrations
Some damage may not result in an immediate leak. A compromised roof or exterior component can allow water to enter during the next storm, potentially turning a small problem into a much larger one.
That's why a professional inspection after a significant storm is so important.
Should You File an Insurance Claim?
If you believe your home has sustained storm-related damage, contact your insurance company or insurance agent to discuss your coverage and the claim process.
Michigan's Department of Insurance and Financial Services recommends documenting damage with photographs and videos, taking reasonable steps to prevent additional damage, keeping receipts for emergency measures and staying organized throughout the claim process.
Remember: Your insurance policy determines what is covered. Every policy is different, and coverage can depend on the cause and extent of the damage.
Document Everything
Before permanent repairs begin, document the damage as thoroughly as possible.
Take photographs and videos of:
Damaged shingles
Hail impacts
Missing or lifted shingles
Damaged siding
Bent or damaged gutters
Broken windows or screens
Damaged fascia and soffit
Fallen trees or branches
Interior water damage
Any personal property that was damaged
Keep copies of your photographs, estimates, invoices and communications related to the claim.
Don't Go Through the Process Alone
One of the biggest mistakes homeowners can make is trying to navigate a complicated storm-damage claim without someone who understands the construction side of the process.
An insurance adjuster evaluates your claim from the insurance company's perspective. A qualified contractor evaluates your home from the construction and repair perspective.
Having a contractor inspect your property can help identify damage that may otherwise be overlooked.
At Covered Construction Inc., we can inspect your home's exterior and help you understand what we are seeing. We work with all insurance companies and can help homeowners navigate the insurance claim process from inspection through the repair process.
Our goal is simple:
Make sure you understand the damage, understand the repair process and have someone knowledgeable in your corner.
What About the Insurance Estimate?
It's important to understand that an insurance estimate is based on the damage and coverage determined under your policy.
If additional damage is discovered during the repair process, additional documentation may be necessary.
That's another reason having an experienced contractor involved can be valuable. Your contractor can communicate the actual construction needs and document additional damage when appropriate.
Don't Let Storm Damage Turn Into Winter Damage
Metro Detroit homeowners are heading toward the fall and winter months. Leaving storm damage unresolved can create additional problems once Michigan's cold weather arrives.
A small roof issue can become a leak.
Damaged siding can allow moisture behind the exterior.
Loose gutters can pull away from fascia.
Damaged windows can create drafts and allow moisture infiltration.
The sooner you know what you're dealing with, the sooner you can make a plan.
Covered Construction Inc. Is Here to Help
If you believe your home was affected by the recent Metro Detroit storms, don't guess about the condition of your roof or exterior.
Schedule a FREE inspection with Covered Construction Inc.
We can inspect for storm-related damage to your:
Roofing • Siding • Gutters • Windows • Fascia • Soffit & More
We work with all insurance companies and can help you navigate the insurance claim process.
Call Today: 248-883-7663
FREE INSPECTIONS
Serving Macomb, Oakland, Wayne Counties & surrounding areas
Covered Construction Inc.
Your Home. Your Investment. Our Commitment.
Insurance coverage varies by policy. Covered Construction Inc. does not determine insurance coverage or guarantee claim approval. Your insurance company and policy determine available coverage.
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