Insurance Claims | Monarch Roofing Co.

TIPS ON FILING A PROPERTY DAMAGE CLAIM IN MICHIGAN

Michigan experiences some of the nation's most unpredictable storms resulting in millions of dollars worth of damage to homes and properties. When damage does occur, you rely on your Homeowners Insurance to protect you. Unfortunately, being treated fairly during the claims process is not always as easy as it seems. If you are experiencing claim delays, under-deductible denials, or full denials, you need a Claim Specialist experienced with Michigan Weather & Wildlife damages working for you.

We can help you if you have filed a claim due to damage caused by the following:

Hail
Storms
Wind
Fallen Trees
Rain & Floods
Raccoons & Varmints

Homeowners insurance typically covers wind damage, including damage to your home and roof caused by wind-driven storms. Here are some key points:

Coverage:
- Dwelling coverage: Pays to rebuild or repair the structure of your home if it’s damaged during a windstorm.
- Other structures coverage: Pays to rebuild or repair other structures on your property (like a shed or pool house) if they’re damaged by wind.
- Personal property coverage: Pays to replace your personal belongings if they’re damaged or destroyed during a windstorm.
- Loss of use coverage: Pays for additional living expenses (like hotel stays, restaurant meals, storage unit fees) if you need to temporarily live elsewhere while your home is being rebuilt after a windstorm.
Common Instances of Coverage:
- Wind damage to your roof: Whether a section of shingles is removed or your entire roof is torn off by a tornado, homeowners insurance typically covers roof repairs or replacement, depending on the extent of the damage.
- Other wind damage: Siding ripped off in a windstorm, toppled fences, and damage to other structures are also covered.
Document Your Property:
- Before disaster strikes, document the state of your property by taking photos and videos. These will be invaluable if you need to make a roof damage insurance claim for wind damage or any other type of claim in the future.

Remember to review your specific policy and consult with your insurance provider to understand the details of your coverage. 🏠💨