When your roof has been damaged in a strong storm, the last thing you want to worry about is how to pay for repairs. Dealing with water damage to your home is stressful enough. Meet with your Dallas roofing company to ensure you get everything you deserve.
Yet, filing an insurance claim is often a necessity and, therefore, it’s critical to educate yourself on common errors homeowners make that can lead to claims being rejected. The unfortunate truth is, the number one cause of insurance companies not paying on a claim is because of mistakes made during the claim process.
Before filing a claim, always contact a roofing inspection contractor to assess the damage.
The #1 mistake homeowners make when their roof is damaged is calling the insurance company first. Homeowners should actually call their roofing contractor first and have them assess the damage, then create a thorough estimate that details every bit of damage and how much it will cost to repair it.
Armed with a professional assessment of the damage, you can then file a claim to get your repairs covered – 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.
One of the most common and costliest mistakes homeowners make when it comes to filing roofing-related insurance claims is failing to provide adequate documentation. If a roofing problem has led to significant damage that you’re looking to cover under your home insurance policy, it is generally your responsibility to demonstrate beyond a doubt that the issue was not caused by your own negligence.
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 – truth is, natural events are usually not included in these warranties. Always be sure you completely understand the coverage provided by product warranties, as well as their limitations, exclusions and exceptions.
Read the original article here: Residential Roofing: Top 3 Roofing Insurance Claim Mistakes to Avoid http://bit.ly/2tmddcl
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