There are some signs of storm damage that are pretty hard to miss like water actively leaking into your home, shingles completely blown off the roof or a tree laying on top of your house. Aside from the obvious, you will have to have your home physically inspected to tell if your home has been effected by a storm. At Midwest Building Solutions our thorough inspections are completely FREE and have absolutely NO OBLIGATIONS! In fact, most of our clients are completely oblivious of the extensive hail/wind damage they have to their home, until they view the photos on the results of their inspections!

Insurance carriers typically will not raise INDIVIDUAL rates due to an act of god like a wind/hail claim. In fact, when a significant weather event comes through, rates are raised by areas effected. So if you’ve ever seen your neighbors getting their roof/siding replaced after a storm, most likely your rates went up at that time with everyone else’s, whether you filed a claim or not!

Typically, insurance companies will drop a policyholder due to a large amount of claims being filed in a certain time period or claims resulting in negligence or actions by the policyholder. So, if you leave your turkey cooking in the oven and go out shopping for the day and your house burns to the ground, this may result in being dropped from insurance. If someone flushes a bunch of wipes down the toilet upstairs and floods the entire first floor of the home, this may result in being dropped. A hail or wind storm, which is an act of god, is not a direct result of a policyholders actions and in no way can be prevented, this should not result in being dropped by your provider.

YES! We will help you every step of the way, starting with filing your claim! Some insurance company’s do not even require you to be on the phone when the claim is filed and one of our representatives can file the entire claim for you. If your insurance provider does require you to be on the line, it is just a quick 2 minute conversation to give our representative authorization to file the claim on your behalf.

Once the claim is filed, your insurance provider will reach out to setup an appointment to come inspect the home for reported damages. You are more than welcome to be present at the inspection, but it is important to provide your insurance provider with the contact information to your Midwest Building Solutions representative to schedule the inspection on your behalf. We want to ensure that your rep representative can be present at the time of inspection, as they will be working alongside the insurance inspector to point out any damages they witnessed on their initial inspection.

The initial inspection is completely FREE! And has absolutely NO OBLIGATIONS! If you do end up filing a claim, we will work directly with your insurance company on the appropriate cost for repairs and your only out of pocket expense will be your deductible!