Have you ever had damage to a home? If you have, you know that it can be costly! We’re going to discuss why you want the best homeowners insurance in Smokey Point to protect your home and investment.
Over time every home is susceptible to damage. But what exactly can you expect and what does insurance cover? Let’s take a more in-depth look specifically at wind damage.
During severe storms, winds can reach over 50mph. Depending on the direction that the wind is blowing, it can blow siding off your home, lift and blow away shingles, and more. When this happens, it exposes portions of your home to rainwater. When water makes way into your home, it can damage walls, ceilings, or even create mold if not found in time.
With homeowners insurance, you can call your insurance company, and they will send out a restoration company to open up any wet areas. They will also bring in equipment such as dehumidifiers and large industrial fans to dry everything out. While you may be responsible for the deductible, the insurance company picks up the tab on the remaining costs for restoration.
Once everything is dry, then its time to make the repairs to bring your home back to the same look before the damage. Repairs can include shampooing carpets, replacing tile or drywall, and painting.
The restoration company may also complete repairs, or you may need to have a separate contractor come in to complete the work. If you know of a company you want to work with, you can discuss this with your insurance company. If you don’t, they are likely able to provide you with a list of contractors they have worked within the past.
One of the best things you can do is to make sure you are working with a reliable contractor — someone who is going to come in and get the job done. As the insurance company needs to refer contractors regularly, you are likely to receive a dependable contractor using those referred by the insurance company.
The contractor will provide a quote on what they feel it will take to complete the work to repair your home. If you’ve already paid your deductable during the restoration, then you’re in the free and clear. The insurance company will pay the fees to fix your home with no additional out of pocket fees for you.