Tips All Home Owners Should Know Before Filing An Insurance Claim
Tips For Filing An Insurance Claim For Roof Damage
If your roof has suffered damages due to a big storm, then you should take all the necessary steps to fix them as soon as possible. Abnormalities such as leaks and cracks can worsen the condition of your home further if they are not repaired immediately as possible.
As you already know, repair roof is an expensive thing. However, roof damage incurred by natural calamities can be covered by your insurance company. There were many instances, where the insurance companies try to dodge from paying the needed financial cover to the house owners.
If you do not want to face such instances, then you may follow the tips provided by the roofing contractors in Chelmsford MA.
Tip No. 1
As a house owner you should complete fiduciary responsibility, means you should take necessary measures to prevent further damage to your roof.
Such actions may include calling an emergency repair to prevent water seeping into your home. Make sure to document all of your emergency repair activities, which could be covered by your insurance company.
Tip No. 2
When you want to file an insurance claim, then you should directly call the insurance company and not your insurance agent.
You should keep in mind that same no person/representative (from the insurance company) will pick and answer your phone calls during subsequent follow up.
So, it is important to have a claim number, which you can use as easy reference on your subsequent phone calls to the insurance company.
This makes it easy for the person, who attends your phone to find all your information.
Tip No. 3
Be thorough about your policy’s coverage. Insurance providers may change their policy every year and most policyholders are not aware of it until something serious happens to their property.
By knowing the policy coverage, you will know what to expect and what not to expect from your insurance company. Said by Jeff from Oxford roofing
Understanding the policy coverage detail will help you be more confident when you are conversing with the insurance company representative.
Tip No. 4
It is better to deal with a roofing company that can easily deal with your insurance process.
This will help you stay away from the pain and hassles on dealing with the insurance companies.
Most reputable roofing companies in the market are able to take care of the insurance process of their customers.
Tip No. 5
If the insurance company is not providing promised service, even after long follow up, then you should file a complaint with concerned authorities through online, phone or by email.
You should have all the evidence to prove your point. So, do not forget to document every activity, about your roof damage and insurance claim.
Insurance companies try to make profits by collecting premiums from their customers and by providing less money as coverage.
The insurance company may cheat you if you are ignorant about the insurance laws and related matters.
You may also hire a certified inspector to find out the actual extent of damage or loss to your roof due to natural disasters.
There are many websites and online resources, which can help you to learn more about filing an insurance claim.