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How would a claim be paid out for windstorm damage to my home?
I have home insurance and need to submit a claim for damage done in a windstorm. How would my claim be paid out?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“If the damage was done to your home or other structures, your claim will be paid out on a replacement cost basis. This means that your policy will pay to replace whatever is damaged without depreciation, much like
car insurance
would if you have comprehensive coverage
.Often this includes replacing the damage or item with something of similar value. For example, if your roof was damaged in a windstorm, your insurance would pay to replace your roof at current market value.
While you’ll need to speak with your insurance directly, most claims are either paid out directly to you or to the contractor repairing the damage. Most insurance companies require an estimate of damage before paying out a claim, so they may pay a repair company directly once an estimate and claim is submitted.
Some insurance companies will require that you pay for the damage upfront and then they reimburse you minus your deductible.”
View full answer
- Gregory R.
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