Ohio's unpredictable weather, especially wind and hail storms, can wreak havoc on your home's exterior. Damaged siding, shattered windows, and leaking roofs are just a few of the costly headaches homeowners face after severe weather events. But does your insurance have you covered? NüPro, your trusted partner for home exterior restoration in Central and North Central Ohio, is here to help you navigate the complexities of insurance claims and ensure your home is restored to its pre-storm glory.
Understanding Your Homeowners Insurance:
Most homeowners insurance policies cover damage caused by wind and hail, but the extent of coverage can vary significantly. It's crucial to understand two key aspects:
Covered Perils: Your policy should explicitly state that wind and hail damage are covered perils. Check for any exclusions or limitations that might apply.
Actual Cash Value (ACV) vs. Replacement Cost Value (RCV): This is perhaps the most critical distinction. ACV takes into account depreciation, meaning you'll only receive the current value of your damaged property, not the cost to replace it with new materials. RCV, on the other hand, covers the entire cost of replacing damaged property with new, similar materials.
If your policy only covers ACV, you might be left with a significant out-of-pocket expense to fully restore your home. Ensure your policy includes 100% replacement cost coverage to avoid this financial burden. If not, consider contacting your insurance provider to discuss upgrading your coverage.
NüPro's Expertise in Storm Damage Restoration:
When disaster strikes, NüPro's team of experts is ready to help. We specialize in repairing and replacing damaged siding, roofing, windows, and other exterior components. Our experience with insurance claims allows us to streamline the process, working directly with your insurance company to ensure a smooth and efficient restoration.
We understand that handling insurance claims can be stressful. That's why we handle all the paperwork and communication, allowing you to focus on getting your life back to normal. Our skilled craftsmen use only the highest quality materials and techniques to restore your home's exterior to better than its pre-damage condition.
Don't Wait for the Storm:
The best time to review your insurance policy is before disaster strikes. Take a few minutes to understand your coverage, ensure you have adequate protection for wind and hail damage, and confirm that you have 100% replacement cost coverage.
If you've recently experienced storm damage, don't hesitate to contact NüPro. We'll assess the damage, help you navigate the insurance claims process, and restore your home to its former beauty and resilience.