# Storm damage and insurance claims

After wind, hail or a fallen limb, H & B stops the water first, then documents the damage with dated photos and measurements you can give your insurance adjuster. We are a local Richmond contractor, not a storm crew from out of state, and we explain what your policy decision means before you sign anything.

Provider: H & B General Contractor, LLC, Richmond, VA. Phone (804) 555-0142. Free estimate: https://hbgcroofing.com/estimate/storm-damage

## Signs you may need this

- Shingles creased, lifted or torn after high wind
- A tree or large limb on the roof or gutters
- Dents in gutters, vents or downspouts after hail
- New leaks immediately after a storm

## How the work goes

- Right away we tarp or board openings to stop further damage, and photograph everything before it is moved.
- Before you file we inspect and give you a written damage report with photos, so you know whether a claim is worth making.
- With your adjuster we can meet the adjuster on site, point out the damage and price the approved scope. You stay in control of the claim.

## Options

- Emergency tarping: Temporary protection to stop water entering while the claim and repair are arranged.
- Documented inspection: Dated photos, measurements and a written summary of damage for your records or insurer.
- Claim-scope repairs: Roof, gutter, siding and window repairs priced to the scope your insurer approves.

## Questions

### Will you deal with my insurance company?

We will document the damage, meet your adjuster and price the approved work. The claim is yours, and we never ask you to sign over your claim or sign a contract before you have the adjuster's decision.

### How do I spot a storm chaser?

Be careful with anyone who knocks unasked right after a storm, has no local address, asks for a large deposit or wants you to sign before the adjuster visits. Ask for a local phone number and a written estimate.

### What should I do right after a storm?

Stay off the roof. Photograph damage from the ground, move valuables away from leaks, and call us for tarping. Then contact your insurer to start a claim if the damage looks significant.

## Areas served

- City of Richmond: The Fan, Museum District, Church Hill, Northside, Southside, Westover Hills
- Henrico County: Short Pump, Glen Allen, Lakeside, Tuckahoe, Sandston, Varina
- Chesterfield County: Midlothian, Chester, Bon Air, Brandermill, Woodlake
- Hanover County: Mechanicsville, Ashland
- Goochland and Powhatan: Goochland, Manakin-Sabot, Powhatan
- Petersburg, Colonial Heights and Hopewell: Petersburg, Colonial Heights, Hopewell