Document Everything First
The new homeowner checklist ensures your home is safe, functional, and ready for you to settle in comfortably.
To successfully navigate an insurance claim for exterior housing damage, you must document the damage immediately, prevent further loss with temporary repairs, and file the claim before your policy’s deadline.
At Oliwill Construction, with flexible financing options, we can jump-start your project while comfortably spreading the financial impact.
📑 Document Everything First
- Take comprehensive photos: Capture clear images and videos of all impacted exterior areas from multiple angles before touching anything.
- Zoom out and in: Take wide shots of the structure and tight close-ups of specific impacts (e.g., hail dings on siding or torn shingles).
- Note the exact date: Pinpoint the precise date and time the storm or accident occurred, as carriers cross-reference weather data.
- Get a contractor’s assessment: Consider having a reputable local contractor inspect the exterior to uncover hidden structural damage.
🔨 Mitigate Further Damage
- Make temporary repairs: Cover broken windows, board up holes, or tarp the roof to stop water from leaking inside.
- Save every receipt: Keep receipts for all emergency materials, tarps, or temporary labor; these costs are usually reimbursable.
- Avoid permanent fixes: Do not allow a contractor to execute permanent reconstruction until the insurance adjuster inspects the property.
📑 File the Claim and Understand Your Policy
- Check your deductible: Compare your deductible amount against the contractor’s estimated repair cost to ensure filing a claim is financially logical.
- Review payout definitions: Verify if your policy pays Actual Cash Value (ACV) (depreciated value) or Replacement Cost Value (RCV) (full cost to replace).
- Fight for visual matching: Ask your insurer about uniformity; many jurisdictions require the carrier to replace undamaged siding/roofing if materials cannot be matched perfectly.
- Track communication: Confirm all verbal agreements with your claim representative in writing via email to protect your claim file.
🤝 A Local Roofing Contractor You Can Trust
At Oliwill Construction, we proudly serve: 📍 Madison 📍 McFarland 📍 Marshall 📍 Deerfield 📍 Surrounding Wisconsin communities We provide: ✔ Window replacement and installation ✔ Roof repair and replacement ✔ Siding installation ✔ Gutter services As a locally owned company operated by two brothers, we focus on quality workmanship and honest service.📞 Call us with your situation, and we’ll find the right plan for you!
If you believe your property could use a refresh or a safety and security update, call us today for an estimate.
Oliwill Construction
📞 (608) 576-0075
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NOW OFFERING FINANCING options to fit your budget. Call us today to find a plan that works for you.
