The number one cause of insurance companies not paying on a claim is because of mistakes made during the claim process.
Top 3 Roofing Insurance Claim Mistakes To Avoid
Before filing a claim, always contact a roofing inspection contractor to asses the damage.
The #1 mistake homeowners make when their roof is damaged is calling the insurance company first. Homeowners should call their roofing contractor first and have them assess the damage, then create an estimate that details every damage and how much it will cost to repair it.
With a professional assessment of the damage, you can then file a claim to get your repairs covered and you will have a complete picture of your property’s condition, and the claim you submit will be accurate.
Most insurance policies have a certain period for filing a claim, so make sure to file it as soon as possible.
Documentation is key when it comes to insurance,and it’s also vital to thoroughly understand your rights as well as your responsibilities when it comes to issues like warranties and policy protections.
Problem #1: Insufficient Documentation
One of the most common and costliest mistakes is failing to provide adequate documentation. If a roofing problem ha sled to significant damage that you’re looking to cover under your home insurance policy, it is generally your responsibility to demonstrate beyond that the issue was not caused by your own neglicence.
Home insurance experts recommend that you regularly document the condition of your home. It is a good idea to update this documentation on an annual basis. Specific to roofing, it is a good idea to take photographs that show the condition of the roof, as well as the condition of connected and underlying structural elements.
If a problem occurs, you should also document the damage in photographs so the claims adjuster has a visual point of comparison that shows the condition of your home both before and after the problem.
Problem #2: Inadequate Or Expired Warranty
Another common mistake arises from incomplete understandings of product warranties.
Sometimes, homeowners file insurance claims after learning that a manufacturer’s warranties had expired or did not cover the nature of the problem that arose. Always be sure you completely understand the coverage provided by product warranties, as well as their limitations, exclusions and exceptions.
Problem #3: Hiring Shady Contractors
Ask any contractor you hire about their own insurance coverage, and find out whether or not there is any possibility that you might be liable for injuries, accidents or property damage that occurs during the execution of a roofing project.
Take your time and find a roofing contractor that has a good reputation within the community, is able to provide references, and has experience working with insurance adjusters on roofing claims.
Be proactive, ask questions, and keep documentation.
This will make it far less likely that you will encounter problems when filing a claim.