Billings just faced one of the biggest hailstorms in recent memory—and for many homeowners, the damage is significant. From roof dents to shattered windows, knowing what to do in the first 24–48 hours is critical for protecting your home and your insurance claim.
As both a local real estate broker and someone married to the owner of A-Team Roofing & Solar, I know firsthand how important it is to act quickly and work with trusted local experts. Here’s your step-by-step recovery guide.
1. Document Every Detail
Take clear, timestamped photos and videos of all damage—roof, siding, windows, gutters, decks, and vehicles. Don’t start repairs until you’ve documented everything for your insurance company.
2. Prevent More Damage
Cover damaged areas with tarps or plywood. This prevents costly water intrusion and keeps your insurance coverage valid.
3. Understand Your Insurance Policy
Check your hail deductible and review your coverage. If repair costs are less than your deductible, paying out of pocket might prevent future premium increases.
4. Get an Honest Damage Assessment
Before filing a claim, get a free, no-pressure inspection from a reputable local contractor. A-Team Roofing & Solar offers comprehensive storm damage assessments to give you an accurate repair scope—no surprise add-ons, just honest work.
5. File Your Claim (If Needed)
If you move forward with a claim:
- Call your insurance provider promptly.
- Keep a record of your claim number, adjuster contacts, contractor estimates, and all correspondence.
- Understand your payout—most insurers pay the Actual Cash Value first, then the remaining Replacement Cost Value after repairs.
6. Hire Local & Licensed Contractors
Storms attract “storm chasers” from out of state. For peace of mind:
- Work with local companies like A-Team Roofing & Solar that are licensed, insured, and established in Billings.
- Get at least three written estimates.
- Never pay in full upfront.
7. Keep Everything Organized
Save all documentation in one place—photos, estimates, contracts, and claim records. If disputes arise, you can contact the Montana Insurance Commissioner for guidance.
Final Tip:
The faster you document, secure, and repair your property, the better your outcome—both financially and structurally. If you need help connecting with trusted local professionals, I’m here to point you in the right direction.
Call to Action:
📞 For a free, honest roof inspection and storm damage assessment, contact A-Team Roofing & Solar at 406-252-4336 or visit ateamroofingandsolar.com. Let’s keep our Billings homes strong and storm-ready!