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Severe Weather Season is Upon Us
How Should You Deal with the Damage?
By: Jaci Buscher | Date June 1, 2014
With all of the severe weather that has hit the Denver-Metro area lately, we're sure many of you are dealing with the stressful task of repairing your home. Before jumping into a contract with a repairman, take precautionary measures to ensure that you get the best deal without sacrificing quality.

To begin with, you want to take a look at your insurance policy to see what will be covered and what you will need to pay out of pocket. It is important to know your deductible so you can have that money in savings incase disaster strikes. If you ever have a question about the types of losses that are covered by your insurance policy and those that are not, give us a call.

Next, if you are unsure of the severity of the damage, have your home inspected by a trustworthy repairman BEFORE reporting the claim. If you know that the damage is severe, you can go ahead and begin the claims process. We recommend finding a repairman by asking friends for a referral and referencing the Better Business Bureau and online reviews. Do not use a contractor who made contact with you first. Door to door salesmen, especially those who point out unforeseen damage to your home, may be unlicensed contractors trying to scam you. Do your due diligence in researching many different repairmen, contacting them, and comparing their quotes. Remember, a majority of the time if a quote seems too good to be true, it probably is. You will most likely come across extra expenses later on or will receive inferior quality work.

At this point, you will want to determine whether you are going to pay for the repairs on your own or report the claim. If you are unsure which option is better, call us and we will discuss the pros and cons of each option with you. Whether you report the claim or not, you will have the option of which contractor you would like to use. Once decided, you should require a written contract with the repairman that states their name, address, license number (if applicable), phone number, and the terms of the agreement. If you are unsure of any complicated language, ask the repairman to explain it to you in simplified terms.

All that's left is to get your home fixed! After all this work, we're sure you will be excited to have your home back to normal. If there are any preventative measures that can be taken to protect your home from a similar loss in the future, be sure to do so. This may even mean that it would be beneficial to upgrade the materials, say by purchasing a more durable roof, than the one that was damaged. Although this could create extra costs for you now, it may reduce the amount of future claims and actually save you money in the long run. We know there is a lot to consider when repairing your home, but we are here to help and take off some of that stress!