Yes, it’s true. Storm-related damages (although you may not see them) worsen over time and will probably cause a roof leak later. This is what you need to know before filing an insurance claim for damages due to a storm. After all, that’s what roof insurance is for.
5 Things You Need to Know Before Filing a Claim
Filing a roof insurance claim is a complex process
Just like filing any type of insurance claim, there are complexities involved. Homeowner’s storm damage claims are filled with all the necessary steps to confirm reported damages caused by hail, wind, etc. This means an assessor adjuster (in-house or 3rd party) will be involved in the claim process to determine the cause and valuation of the loss, which in many cases can be due to poor roof maintenance. Heritage professionals are well-versed in the claims process and are able to assist from filing to completion of repairs.
Hail damage is not covered by your roof warranty
Although your new roof might carry a lifetime workmanship warranty, these warranties exclude hail and wind damage. If you contact your roofing company for damage resolution, you’ll more than likely be told to contact your insurance company.
Insurance companies can’t cancel your policy after filing a claim (UNLESS…)
Many people worry about filing a claim because they fear their policy will be canceled once the damage has been reported. Rest assured the State of Texas does have stipulations regarding policy cancellation. Here’s the fine black print:
Under the Consumer Bill of Rights adopted by the Texas Department of Insurance, homeowner’s insurance companies can’t cancel a policy that has been in effect for 60 days or more unless:
- You fail to pay your premium on time
- You filed a fraudulent claim
- There is a determination by TDI that continuing the policy would violate insurance laws
- There was an increase in the hazard your policy covers, provided the hazard was within your control and caused the policy premium to increase.
Full roof replacement isn’t guaranteed
Depending on your insurance company and policy, a full roof replacement may not be covered. Some companies will only repair the specific areas where damage has been detected. This is why it’s important to understand your policy and what it covers.
This can wait (But it can’t)
Sure, the process of filing a claim for roof damage isn’t exciting. It can be lengthy and detailed and it’s understandable if you’d rather shrug it all off till later. With most insurance companies you can only report damages up to one year after they’ve occurred if you’re seeking compensation. Spring and autumn are the ideal seasons to give your roof a well-check so you can discover damage before it’s too late.
Heritage Construction takes pride in being experienced insurance specialists. Book your free inspection today and rest assured we’re here after the storm. We’ll walk you through the claim process, and you’ll get everything you deserve from your insurance company. That’s the Heritage way. Contact the pros today!