Can Businesses File Storm Damage Claims?

Shortly, yes. Business properties are insured just like private properties and, in case of a natural disaster, owners are perfectly entitled to file a claim and receive compensation from the insurance companies they work with.

A storm may cause different types of damage and interrupt your business. Nobody wants to go through this, but it is best to be prepared, no matter what. Filing the claim is typically followed by scheduling an appointment with an insurance adjuster, who will inspect the damage, review your policy and determine the coverage.  There may be more adjusters involved in the process, if the storm damage is extensive and involves structural damage, loss or property, car damage etc. Adjusters are specialized in different types of damage, so there may be different professionals assigned.

storm damage roof repair

Business owners must be ready to supply as many information about the damage as possible, so they should collect relevant records to prove the value of the damaged structures, inventory or equipment. If your business is put on hold because of the storm damage, prepare financial documents to prove the amount of income lost.  If necessary, have storm damage expert commercial roofers in Denver be ready to provide information about the costs of replacing your roof and/or conducting your business from another location, as well as expenses that continue even as your business is suspended (utilities, advertising etc.).

The History of Colorado Hail Storms

Colorado is well-known not only as a state of extraordinary natural assets – it is also the area that regularly gets the most devastating hail storms in the nation, extreme events that cause damages of millions of dollars in the area year after year.

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Hail storms are the most common in the area that lays east of the Continental Divide, but the rest of the state is also frequently affected by storms that come with rain, high winds and large balls of ice. Here are some of the most horrendous hail storms in Colorado history:

  • July 11, 1990, Denver – the most devastating storm in US history up to that day came with thunder and hail stones the size of a baseball. The storm developed near Estes Park and by the time it reached Denver it was around 10 miles wide and the damage caused was around 625 million dollars;
  • July 20, 2009 – another storm that hit the area surrounding the state capital and had no mercy on the Mile High City either. The event came with winds that raged at around 80 mph and golf ball-sized hail, causing damages around 767 million dollars;
  • May 8, 2017 – the costliest hail storm in history swept through Golden, Wheat Ridge and the north-western part of Denver and it caused almost 1.5 billion in damages.

If your home is damaged by hail, call on hail damage repair Colorado Springs roofing company experts to make sure your home or business receives the upmost care and attention.

How to Prevent Storm Damage and Avoid Commercial Roofing Scams

Although they seem to be separate topics, you’ll find that storm damage and commercial roofing scams often go hand in hand. This is because a lot of inexperienced contractors or outright scammers tend to prefer searching for clients (or victims) after a powerful storm is over.

Naturally, the aftermath of the storm will bring into the foreground any leaks or other roofing problems that haven’t been resolved in time. As some businesses will be desperate to have their roofing systems fixed before the water can damage their documents, equipment and computer systems, they’ll accept just about any offer.

This is precisely what happens when you don’t research your roofers: after a storm hits, someone might walk in and speak to one of your managers or technical staff about your roofing problem. Naturally, they’ll be shown to the roof, and they might even do a good job. However, the final price will be far steeper than you’d hope, leaving your business with some serious financial setbacks (especially if the roof has to be torn down and replaced).

integrity concept

What should you do? First of all, avoid panicking when a storm hits, and if your roof is leaking, seek to protect your most sensitive materials and equipment. Next, take the time to do some research and find storm damage repair Colorado Springs commercial roofing contractors  that offer emergency roofing services. You might find a lot more legitimate and trustworthy businesses than you’ve even thought possible.