I’m in NW Ohio (US) and part of the ridiculous windstorm and power outage that occurred this weekend.
I’m a first time homeowner and never had to file a claim before. I have some roofing damage (shingles torn off/buckled), gutters and downspouts down, couple of shutters and some limbs down in yard.
I’ve contacted my insurance company, and based on their feedback, I’m going to get some estimates to see if it exceeds my deductible ($1000). I took some pictures of everything too.
My question is- are there any other DOs or DON’Ts I may not be thinking of because of my lack of experience with this? If I ask a roofing company to do a free estimate, will they consider my spouting and shutters? Should I call a tree removal service as well for estimate? I stripped the branches by hand down to everything about 2-3" diameter and piled by curb (our city tends to do clean-up runs after disasters like this), but I don’t own a chainsaw or anything big enough to cut up these 15’+ long limbs.
My power was also out for somewhere around 9-12 hours. Do I claim the stuff in my fridge/freezer too?
I know my insurance company is my primary source, but they are slammed with much bigger claims, and I think I have to pay for their adjuster if they come out and it does not exceed my deductible, so just looking for feedback from people in industry or homeowners with experience…Thanks!