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?

Answer
“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.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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