Snow and Roof Collapse Insurance Claims
When it comes to a structural failure of your roof due to snow and other winter conditions, there can be many potential causes. A structure may be old or improperly maintained. The workmanship may be faulty or insufficient. The design may fail to factor in adequate drainage. Sometimes, the weight of the snow and the effects of winter weather simply exceed what the structure was designed to withstand.
For larger structures, such as commercial buildings and warehouses, snow may accumulate at different depths across the surface of the roof, causing uneven pressure and increasing the risk of a collapse.
Whatever the cause, the results of a roof collapse are almost always catastrophic and mean a difficult road to full recovery. Knowing these common roadblocks and how to navigate them can make the process easier and save you time, money, and aggravation.
If your roof is under warranty, the conditions that resulted in a roof collapse may have caused it to become void. For this reason, it is important to read and become familiar with the terms of your warranty. However, if your warranty is void, the news isn’t necessarily all bad. Many insurance policies cover these instances and allow you to file a claim for the balance of the warranty.
One of the greatest missteps to avoid is doing business with a dishonest roofing contractor. Get independent and reliable references and seek advice from those who you trust. Read all contracts carefully and be certain what type of material and workmanship is being promised. Beware of demands for upfront deposits. If one is necessary for work to begin, a good security measure is to set up an escrow account with your law firm, bank, or mortgage company.
Because of the scope of work required for rebuilding and repair after a roof collapse, building permits will have to be obtained from the relevant local authorities. Once repairs are complete, a building official will have to inspect and sign off on them. In case the official requires any further work to be done, it is always a good policy to have sufficient funds set aside for this contingency.
Hire Your Own Expert
Navigating a property damage claim can be challenging. One way to level the playing field is to hire an experienced Public Adjuster to represent your best interests.
A good public adjuster will review your policy and advise you on your coverage rights. And while it can be difficult for a property owner to fully understand the intricate details of an insurance policy, Public Adjusters settle claims every day and know all the ways insurance companies try to avoid paying covered losses.
Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.