CMS Roofing & Home Maintenance – Storm Damage

1. Document the Storm Details

Record the exact date and time of the storm that caused damage to your property. When contacting your insurance company, this information will be essential. While you might not identify all damages immediately, having a general idea is beneficial. Our CMS experts can assist in uncovering less obvious issues during the assessment.​

2. Schedule a Pre-Adjuster Inspection

Before your insurance adjuster visits, have a CMS Roofing & Home Maintenance storm damage specialist evaluate your property. Our team is experienced in identifying hail damage and can determine if filing a claim is warranted, ensuring you make informed decisions.​

3. Know Your Mortgage and Lien Information

Be prepared with details about your mortgage company and any primary lien holders. Insurance adjusters may require this information to process claims accurately and avoid delays.​

4. Understand Adjuster Roles

Insurance adjusters can be either staff members or independent contractors. Staff adjusters are salaried and may handle various claim types, often leaning towards repairs. Independent adjusters, typically paid per claim, may be more inclined to identify extensive damage. CMS Roofing & Home Maintenance can help navigate these interactions to ensure fair assessments.​

5. Recognize the '4-Foot Rule'

Adjusters often attribute damage below four feet to mechanical causes rather than storm impact. Our experienced team can differentiate between mechanical and storm damage, advocating for accurate evaluations.​

6. Know Your Property's Age

The age of your home, especially the roof, siding, and gutters, affects depreciation calculations in insurance claims. Newer installations typically result in lower depreciation, impacting your claim's value.​

7. Document Personal Property Damage

List and estimate the value of damaged personal items like patio furniture or grills. Providing receipts or online price references can expedite the claims process and ensure adequate compensation.​

8. Have a CMS Representative Present During Adjuster Visits

Having a CMS Roofing & Home Maintenance expert on-site during the adjuster's inspection ensures that all damages are properly identified and assessed. Our team is equipped to provide necessary documentation and support throughout the process.​

9. Contact CMS Roofing & Home Maintenance

Reach out to us for a comprehensive, free inspection of your property. We provide honest assessments and will advise against filing a claim if the damage doesn't warrant it. Our commitment is to quality service and integrity throughout the claims process.