Storm Damage Claims
Storm Damage Repairs & Insurance Claims in Greater Boston
If your roofing, gutters, windows, or chimneys should suffer a small leak to catastrophic Massachusetts storm damage as a result of wind, rain, snow, ice back up, falling trees, or utility poles, you often can’t wait for a sunny day to make storm damage repairs in Massachusetts! Or if your chimney or gutters are damaged and immediate repair is necessary, there is only one call to make: Call the experts from GF Sprague to handle your storm damage repairs or insurance claims in Massachusetts! Our Emergency Response Team is “on-call” 24 hours to provide emergency repairs.
We’ll make short-term repairs to help prevent further storm damage and protect your property. Then we’ll assess whether more permanent storm damage repairs are necessary. We’ll also document the damage for insurance claims.
Types of Home Storm Damage Repairs:
- Notify your insurance company or agent as most damage from ice dams is covered by your insurance.
- Protect the property from further damage – move the furniture – take down the drapes, etc. G F Sprague will help with temporary repairs.
- Get a detailed inspection of the ice or storm damage (We will help you in this and with our new technology (thermal cameras) and years of expertise we have a better understanding of what is going on with your roof)
- Complete a comprehensive insurance claim don’t forget what was lost describe things in full detail.
- Cooperate with the insurance company and their inspectors. Your insurance company will most likely inspect the property soon after notification of the storm damage insurance claim
- Assist in the insurance claims investigation
Call G.F. Sprague Co. Inc. when you have a problem. We can fix it and we will help you negotiate with your insurance company by providing our expertise in determining the Massachusetts storm damage. We will make temporary storm damage repairs – quickly, and we will showing the insurance company what was wrong and getting your property back in shape with minimal delay and expert workmanship.
Actual Case Study
I had an issue with my camp in Maine several years ago as a result of the ice storm, the top half of a pine tree came down and went through the roof. The way I handled it was to call a friend and ask him if he knows someone I should call. He referred me to a contractor who came and, made temporary repairs to the roof so I could use the camp for the spring and summer. The same contractor then came back in the fall removed the roof, fixed the walls which shifted when the tree came down put on the new roof decking, and rebuilt the chimney.
All of it was covered by insurance and in fact, the contractor insulated and planked the interior for me because I waited until he got all the year-round homes finished. As you can see it was a rather complex claim but the carrier agreed with everything we did and I was paid without much trouble. The contractor got the job because he got the first part of the job done quickly and had a solution for the rest of the problem.
Insurance companies are not in business to pay claims; if that were their intention they would be out of business already!
Here are just a few tricks that insurance companies will use to deny your insurance claim.
Testing: Very often, the insurance companies will conduct a test on the roof to see if any “functional damage” has been done (functional damage refers to damage that will shorten the life expectancy of the roof) that is not in favor of the policyholder and is inaccurate. These tests are meant for a brand new roof and most often are conducted on roofs 5 years or older with the general “wear and tear”. Therefore, getting a false reading, that they are aware of, insurance companies can claim there was existing damage before the storm and are not held responsible.
Another scheme insurance companies will use to try to deny your claim is claiming “cosmetic” damage vs. “functional” damage. For instance, if there has been a storm and you have fractures on your roof, the insurance companies are looking for “total fractures” only. A total fracture refers to complete and obviously visible, destruction to your roof. If the problem is not catastrophic, it is referred to as cosmetic damage and denied. They will only accept what they refer to as functional damage, which in definition will shorten the life expectancy of the roof. The problem is, these companies rely on the fact that you do not know everything that is in your claim, almost all of these problems are covered in the insurance claim but the company assumes that you don’t know what you are or should be looking for and can then pull the wool over your eyes every time.
GF Sprague has the ability to help get your insurance claim accepted, even after the insurance company has said that there is no storm damage. We have infrared equipment to show the damage that is not visible to the naked eye, we are experienced and can talk in detail to the adjuster regarding the insurance claim. The insurance company may try and “define” or discount the damage to get out of paying for it, but that is not in their policies. We have tests that the insurance companies do not have and can point out damage where most of their people would not even recognize it. We document all things possible to document for the insurance claim damage, and in reading this, the insurance company will usually realize who they are dealing with and it generally compels them to do the right thing.
Why Rapid Response Will Save You Money
You may be tempted to delay repairs to a damaged roof, chimney, or gutter. But, left open to the Massachusetts weather, your roof, chimney, or gutter will deteriorate rapidly, and place in danger the rafters, sheathing, insulation, and, eventually, your ceiling and walls. Water seeping into your walls can also reach electrical systems and cause fires.
It can take up to 18 months for water damage from a damaged roof to show up as a ceiling, wall, or window leak! So make the repairs as soon as possible to prevent further damage and avoid more expensive repairs down the road.
When disaster strikes or when you don’t want small problems to become big headaches, call the Massachusetts storm damage and insurance claim experts who know what needs to be done — GF Sprague.