Emergency Restoration Services Near You
We are experts in our field and understand that in this tough time you need more than just a restoration company you need a genuine team of experts who care about your safety, happiness, and well-being. Our La Crosse, WI restoration team is available 24/7 to assist you through this difficult time.
Helping You Get Back to Normal
When it comes to the restoration of your home or business, it's critical that the team you hire is well-prepared to handle your project. ServiceMaster Recovery by Restoration Holdings - La Crosse is the expert in disaster restoration services in La Crosse, WI and has set the industry standard for restoration services everywhere. Our team members are thoroughly trained and are committed to customer satisfaction. We are committed to providing reliable, trustworthy, and timely customer service to everyone we work with.
Will my insurance cover the cost of storm damage restoration?
Whether your insurance will cover the cost of storm damage restoration depends on the specifics of your insurance policy. Most standard homeowner’s insurance policies cover certain types of storm damage, but the coverage can vary widely based on the policy terms and the nature of the damage. Here are some key points to consider:
- Types of Covered Damage: Typically, homeowner’s insurance policies cover damage caused by wind, hail, lightning, and certain types of water damage, such as that from rain or snow entering the home due to wind damage (e.g., a broken window or damaged roof). However, flood damage is generally not covered under standard policies and requires separate flood insurance.
- Policy Limits and Deductibles: Your insurance policy will have limits on the amount of coverage provided, and you will likely have to pay a deductible before the insurance coverage kicks in. The deductible amount can vary, so it’s important to know what your policy states.
- Exclusions: Insurance policies often have exclusions or specific conditions under which certain types of damage are not covered. For example, damage due to negligence or lack of maintenance may not be covered. Additionally, some policies may have exclusions for damage caused by specific types of storms or natural disasters.
- Documentation and Claims Process: To maximize your insurance coverage, it’s crucial to document the damage thoroughly with photos and detailed descriptions. Contact your insurance company as soon as possible to report the damage and start the claims process. A professional storm damage restoration company can provide detailed assessments and repair estimates, which can be helpful for your insurance claim.
- Assistance from Restoration Companies: Many storm damage restoration companies offer assistance with the insurance claims process. They can help you understand your coverage, document the damage accurately, and communicate effectively with your insurance company to ensure you receive the appropriate compensation for the restoration work needed.
- Temporary Repairs: Some insurance policies may cover the cost of temporary repairs to prevent further damage while you wait for the permanent restoration to be completed. Keep receipts and documentation for any temporary repairs, as these can be submitted as part of your insurance claim.
To determine if your specific storm damage will be covered, review your insurance policy and discuss it with your insurance agent. They can provide detailed information about your coverage, deductibles, and any exclusions that may apply. If you’re unsure about any aspect of your policy, a professional restoration company can often provide guidance based on their experience working with insurance claims.
To learn more about our disaster restoration services, call (608) 512-0855 or contact us online.
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