After the Storm: Your Step-by-Step Guide to Navigating Insurance Claims for Property Damage

Severe weather can leave a trail of destruction, from damaged roofs to flooded interiors. In the stressful aftermath, dealing with insurance claims can feel overwhelming. At Rhino Solutions, we specialize in Insurance Repairs and Make Safes, and we’re here to guide you through the process.

Step 1: Ensure Safety and Document Everything

Your safety is paramount. If the damage is severe, evacuate and only return when it is declared safe. Once safe, document everything. Take extensive photos and videos of all damage, both from a distance and up close. This visual evidence is crucial for your insurance claim. Do not begin permanent repairs until an adjuster has assessed the damage.

Step 2: Prevent Further Damage with “Make Safe” Measures

Insurance policies require you to take reasonable steps to prevent further damage. This is where our Emergency Call Out and Make Safe services are vital. We will quickly secure your property by tarping damaged roofs, boarding up broken windows, and extracting water. These temporary measures protect your home from additional elements and demonstrate diligence to your insurer. Keep all receipts for any temporary repairs, as these are often reimbursable.

Step 3: Understand Your Policy and File the Claim

Review your insurance policy to understand your coverage, deductibles, and obligations. Then, contact your insurer to lodge the claim. Be clear and factual when describing the damage. Provide the evidence you’ve collected.

Step 4: The Adjuster’s Visit and Working with Your Contractor

An insurance adjuster will be assigned to inspect the damage. It is highly beneficial to have your chosen contractor, like Rhino Solutions, present during this inspection. We can ensure the adjuster sees all the damage, understand the full scope of necessary repairs (including code compliance updates), and help translate the damage into a fair and accurate scope of work. We have the expertise to advocate for you, ensuring the claim covers the full cost of restoration.

Step 5: Quality Repairs and Restoration

Once the claim is approved, we begin the work. From Internal Strip Outs of damaged walls and ceilings to the final coat of paint and Re-Roofing, we manage the entire restoration process. We use quality materials and expert craftsmanship to not just repair, but restore your property to a condition that is often better than it was before the storm.

Conclusion

You don’t have to face the insurance process alone. With Rhino Solutions as your partner, you gain an expert advocate who will help you navigate the claim and expertly restore your home.