• Patrick W

Making A Insurance Claim For Roof Damage


Is Your Roof Secure?

A. Making Your Insurance Claim For Roof Damage

1. Photograph and/or video all damages to your property – You should as soon as possible, when making an insurance claim, create photographic and/or video evidence of your damages. You will then have photographs and/or videos to show the adjuster the exact condition you found your property. Photograph or video any and all losses sustained from the storm, as roof damage, siding damage, fallen trees ect.

2. Make temporary repairs to stop water intrusion from roof damage – If you are experiencing or are at risk of experiencing continuing intrusion, you should take temporary measures to prevent further intrusion, but call a contractor to secure the area with a tarp, until such time as your permanent repairs can be made. The most important thing to remember when making a insurance claim for roof damage is to, photograph and/or video the loss both before and after you make any repairs.

3. Make your insurance claim for roof damage as soon as possible – Make your insurance claim for roof damage as soon as possible. Do not wait. By waiting too long you can forfeit coverage or provide the insurance company with arguments that can be used against you.

4. Keep a claim journal and record all claim activities and expenses incurred in it – Keep a journal of all interactions with your insurance company and activities related to your insurance claim. You could end up speaking with inside adjusters, outside adjusters, engineers, contractors, etc… It will help you to have a record of who said what, and when. Along these lines, you will need a record of all expenditures you’ve made in connection with the storm damage and your claim journal is a good place to keep notes and records on such expenditures.


B. If A Dispute Arises, Contact An Experienced Insurance Attorney

Insurance companies have an interest in minimizing the amount of money paid out on insurance claims. For this and other reasons, a dispute may arise during your claim process. There are a few standard potential disputes you should be aware of:

1. You disagree with the insurance company about the amount of the loss. It is common for insurance companies to attempt to lowball the amount of a claim in hopes that the insured will accept less than what the claim is actually worth. If you believe you are getting low balled, you may want to consult with an attorney about your claim.

2. The insurance company denies insurance coverage in whole or in part. It is also common for insurance companies to deny coverage for all or parts of an insurance claim. If you believe the insurance company in wrongfully denying insurance coverage for any part of your claim, you should contact an attorney as soon as possible to discuss your legal options.

3. The insurance company excessively delays processing, finalizing, or issuing payment on the claim. If the insurance company unreasonably delays any part of your insurance claim and you cannot resolve the issue yourself, you may have legal recourse and you should contact an attorney.

4. If the insurance company writes “final” or “full” payment on your check, and you believe you may have additional damages or require a supplemental claim, do not cash the check and contact an attorney.

 

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