Spending thousands of dollars on storm damage is never a good thing, which is why most homeowners choose to get an insurance policy for their home. However, filing an insurance claim for fixing your roof can be a stressful experience. To make things worse, there’s always the chance that your insurance claim gets rejected for a variety of reasons. If you want to increase your odds of having your claims approved, keep these tips in mind.
Always File ASAP
One of the most common reasons why insurance claims get denied is because homeowners don’t file them on time. Many insurance policies have some sort of “deadline” when it comes to filing claims; any later than that could be classified as damage due to neglect, which they rarely cover. Make your preparations as soon as the weather clears up.
Get Help From an Expert
Insurance providers love it when insurance claims provide accurate information about the nature of the damage because it’s easier to figure out if the claim is authentic. This is why roofing professionals recommend having the damage assessed by a professional inspector to get a clearer picture of the situation. During the filing process, the insurance provider will also send their own inspector to verify the details in your claim and any conflicting info could decrease your chances of getting it approved.
Do Not Ask for Too Little
Some homeowners make the mistake of asking for less than what’s necessary to fix the roof just to increase the chances of their claims getting approved. Remember that at the end of the day, you are a customer, not someone asking for a favor. Make sure you get the most out of your monthly payments: don’t hesitate to claim the right amount of coverage.
Check Your Rates
Some insurance providers will recommend their own roofing contractors to perform inspections on your roof. However, it’s still better to have your roof and gutters checked by a roofer of your own choosing. This is because recommended contractors might favor the insurance provider over you, and they could downplay the extent of storm damage to reduce the amount of coverage that has to be provided.
Don’t risk your storm damage claims getting rejected. Coleman Roofing & Construction can provide you with professional storm damage inspection services in Gonzales and Lafayette, LA. You can call us at (225) 379-7663 or fill out this contact form to request a free quote.