Roofs can suffer damage due to a variety of reasons, such as severe weather conditions, wind or fallen debris. When this happens, property owners typically file a claim with their insurance company to cover the cost of repairs or replacement. However, there are common mistakes that property owners make when filing a claim for roof damage that can result in them receiving a less equitable claim settlement offer.
In this blog, we will highlight four of these mistakes and provide tips on how to avoid them.
Waiting too long to file a claim
The first mistake that property owners make is waiting too long to file a claim with their insurance company. It is important to file a claim as soon as possible after the damage occurs, as waiting too long can result in the insurance company denying the claim or offering a smaller settlement amount. Insurance policies typically have a time limit for filing claims, so it is important to check your policy and follow the guidelines.
Failing to document the damage
Another mistake that property owners make is failing to document the damage properly. It is essential to take pictures and videos of the damage and keep a record of any repairs or replacements made. This documentation will be crucial when filing the claim and negotiating with the insurance company. It is also recommended to have a professional inspect the damage and provide a written estimate for the repairs or replacement.
Not understanding the insurance policy
Many property owners make the mistake of not understanding their insurance policy. It is important to read the policy carefully and understand what is covered and what is not. Some policies may have exclusions for certain types of damage, such as damage caused by earthquakes or floods. It is also important to know the deductible amount and how it affects the claim settlement amount. If you have any questions or concerns, it is best to contact your insurance company and ask for clarification.
Hiring an inexperienced contractor
Finally, property owners often make the mistake of hiring an inexperienced contractor to repair or replace the roof. It is important to choose a licensed and insured contractor with experience in handling insurance claims. Choosing an inexperienced contractor can result in shoddy workmanship.
In conclusion, filing a claim for roof damage can be a stressful and overwhelming process, but avoiding these common mistakes can help property owners receive a more equitable claim settlement offer. By filing the claim as soon as possible, documenting the damage, understanding the insurance policy, and hiring an experienced contractor, property owners can ensure that their property is restored to its pre-damage condition.
Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.