Are you having leaks inside your home? Notice shingles missing or have cracked tiles after a big storm? Many people fail to realize the mistakes they make when dealing with their insurance company on a Roof Wind Damage Insurance Claim.
Let’s start off with a video from my YouTube Page. You can find almost 200 videos on everything from water damage, roof claim, water mitigation companies and other helpful videos so that you educate yourself on filing a homeowners insurance claim, what to expect, and how to deal with the claim adjuster.
My YouTube page can be found by searching for The Claim Squad Public Adjusters.
(11) #1 Biggest Mistake in Roof Wind Damage Insurance Claims – YouTube
Filing an insurance claim for roof damage can be a daunting task. From assessing the extent of the damage to negotiating with the insurance company, the process can be filled with potential pitfalls. Making mistakes during this critical period could result in a denied claim or inadequate compensation, leaving homeowners burdened with significant repair costs. In this article, we will explore the most common mistakes made when filing roof insurance claims and provide guidance on how to avoid them.
- Delaying the Inspection:
One of the biggest mistakes homeowners make when dealing with roof damage is procrastinating on getting their roof inspected. After a severe weather event or when signs of damage are evident, prompt action is crucial. Delays in inspection could lead to more extensive damage, which the insurance company might use as grounds for claim denial, citing homeowner negligence. Instead, promptly contact a qualified roofing contractor to assess the damage and document it thoroughly.
- Ignoring Pre-Existing Damage:
Another common mistake is overlooking pre-existing roof damage before filing the claim. Insurance companies often conduct a thorough investigation to determine the extent of the damage and assess whether any of it predates the claim. Failure to disclose pre-existing damage can lead to claim denial and potential policy cancellation.
- Underestimating the Damage:
In the rush to get their roof fixed quickly, homeowners might underestimate the extent of the damage. It is essential to conduct a detailed inspection with the help of a professional roofer. Roofing experts can identify hidden damage and provide a comprehensive report to ensure you get adequate compensation for all necessary repairs.
- Not Reading the Policy:
One of the most significant mistakes made when filing a roof insurance claim is not carefully reviewing the insurance policy. Homeowners must understand what their policy covers and what it doesn’t, including specific exclusions and limitations. Being well-informed about the terms of the policy will prevent unpleasant surprises during the claims process.
5. Not Hiring an Experienced Public Adjuster:
Navigating the insurance claim process can be complex, especially for those without experience in dealing with insurance companies. Hiring an experienced public adjuster can significantly increase your chances of getting a fair settlement. Public adjusters work on your behalf, negotiating with the insurance company to ensure you receive adequate compensation for the damage sustained.
Bottom line is in today’s environment where insurance companies are less likely to pay your claim, laws being passed against homeowners, and insurance companies pulling out of state’s because they don’t like having to pay claims, it is CRUCIAL that you get someone to represent you from the start of your claim. I would first suggest a public adjuster and if all else fails, as a last resort an attorney. The fees that attorney’s charge are quite large and that usually means a long, lengthy battle with the insurance company.
If you have any questions or need help with a claim please feel free to contact me at (754) 252-5438
