Helping Palm Bay, FL Homeowners Navigate Roof Insurance Claims
Roof Damage From Storms Is Common Along Florida’s Space Coast
We get our share of heavy wind and rain here on the Space Coast. Sometimes, those storms leave roof damage in their wake. The process of getting an insurance claim covered can be tedious, and there are some potential pitfalls that homeowners need to be aware of.
Step-by-Step Guide to Filing a Roof Insurance Claim
Document the Damage
As soon as you notice roof damage, take detailed photos and videos from various angles. Include both close-ups and wide shots to clearly capture the extent of the damage.
Review Your Insurance Policy
Carefully read through your homeowner's insurance policy to understand what is covered. Pay particular attention to any exclusions or specific conditions related to roof damage.
Schedule an Inspection
At 3LP Roofing Inc, we believe insurance claims should be submitted only after a full roof inspection. It’s possible, depending on the circumstances, that you may not want to file an insurance claim.
One reason is that the costs of repairing the damage could be small enough that filing a claim isn’t worth the trouble and may not even cover the cost of your deductible. Furthermore, it can have negative ripple effects on your premium.
Carriers consider several factors in your premium, and claim frequency is one of them. This refers to how many times you file claims over a period of three to five years. The more frequent your filings, the higher the premium is likely to be. Furthermore, a zero-dollar payout on a claim can be detrimental to your future insurability.
A professional roof inspection is a good way to decide whether filing a claim is in your best interest.
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File the Claim
Presuming it’s worth it, submit the required documentation, including your photos, videos, and our inspection evaluation.
Keep Ownership of the Claim
We also believe that the homeowner should remain in control of their claim, if possible. Often, if your claim is legitimate, there may not be a reason to give it over to anyone. Only when a carrier acts unjustly should the claim need additional assistance.
When considering a claim, take the documentation or pictures provided by the contractor and discuss the damage with your local insurance agent to determine whether it is a covered peril and where your deductible falls on the peril. Education and understanding are vital when considering an insurance claim.
Follow Up Regularly
Keep in touch with your insurance company to track the progress of your claim. Maintain a record of all communications, including dates, times, and the names of the representatives you speak with.
Let Us Help You Through the Roof Insurance Claim Process
No one likes to deal with roof insurance claims, but if you go in well-prepared on what to expect, you can make good decisions that protect your financial security and your Palm Bay property.
Call
(321) 326-0817 or
contact us online today. We also serve residents of Brevard and Indian River Counties.
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