Your Guide To Using Your Homeowners Insurance For Repairs

Need to make repairs after a storm? Use this guide and your homeowners insurance.

The recent flooding in our state was a vivid reminder of just how damaging Mother Nature can be. If your home is damaged during a disaster, you’ll want to get it back into its pre-storm shape as quickly as possible.

We want to help you do just that, so here is a look at how to use your homeowners insurance to make repairs to your home.

  • Call your agent to discuss the repairs you’re planning on undertaking. Your agent will be able to give you clarity about what—and how much—your policy will cover.
  • Visit your permitting office to make sure you have the permits you need and are in line with local and state building regulations.
  • Choose your building materials wisely to prevent more damage in the future. Materials that are resistant to wind, water, and natural decay can minimize your need for future repairs.
  • Interview contractors and get multiple quotes from each to make sure you choose a good one. The right contractor should be able to show you proof of his or her licenses and insurance coverage.
  • Call your agent again. Some types of repairs will increase the value of your home, and you need to adjust your homeowners insurance policy accordingly. Otherwise, claims for future storm damages could leave you unable to fully cover the cost of repairs.

Repairing your home after a storm damages it becomes much easier if getting your claim fulfilled by your homeowners insurance agent is a snap. For that kind of great service paired with great coverage, contact Mike Leonard Insurance Agency. We’re committed to working with our carriers Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance to best serve homeowners.