Take pictures as soon as possible of all the damage that you can see, as well as any evidence of the storm such as large hail, wind damage to the surrounding area such as fallen trees, etc. Taking video can also be helpful.
Take steps to prevent further damage from occurring, i.e. placing tarps over a hole in the roof or placing buckets to catch leaking water.
Contact your insurance company or your insurance agent as soon as possible.
Do not immediately sign up with the first storm chaser that knocks on your door. Obtain more than one independent repair estimate from a reputable licensed contractor. The Minnesota Department of Labor and Industry has a contractor look-up page located at: https://secure.doli.state.mn.us/lookup/licensing.aspx
Document any lost or damaged contents inside of your home and buildings (garage, barns, sheds) and start assembling records to prove how old each item is and its monetary value at the time of the loss occurred and how much it would cost to replace it.
Do not throw anything away or permanently fix any damage until the insurance company pays your claim.
Cooperate with the insurance company’s investigation, and respond promptly to the insurer’s requests for information. You are required to cooperate under your policy. An insurance company can be excused from paying a claim if you do not cooperate.
If the insurance company requests a “proof of loss”, it is important that you complete it accurately and send it back by the deadline.
Do not exaggerate or overstate your claim.
Keep written records of all contact with your insurer. Document conversations with e-mails and save all of your e-mails.
Ask for a copy of your policy and a copy of any estimates that the insurance company puts together or gets from another contractor for your damages.
If you feel that your insurer is treating you unfairly or not paying enough, consult with an attorney. Sauro & Bergstrom, PLLC is here to help and offers a free initial consultation. www.saurolaw.com (651) 389-9915.
