Investing in homeowners insurance is a great idea to protect your home, especially your roofing system, from unpredictable disasters. However, many homeowners don’t understand how their insurance policy works. In the event that your home sustains storm damage, you must know what to expect once you file a claim.
1. Take Note of Maintenance
As a policyholder, your insurance company expects you to uphold your end of the bargain and make sure that your home is well-maintained. If the company makes a convincing case that the damage has resulted from lack of maintenance, it will reject your claim. For this reason, you should stay up to date on home maintenance and keep records that you did so.
2. Beware of Strict Deadlines
Policies may vary, but generally, you have 14 days to make a claim after your property has been damaged. As such, after a hurricane, you should have your property inspected for damage and get a claim within that time frame. If you decide to file a claim once you notice your roof leaking, which can be months after the storm, you may have to pay out-of-pocket repairs.
3. Get in Touch With a Contractor
While you do not need a contractor when filing a claim, it may be beneficial to have one on-site to meet with your insurance adjuster. This prevents your insurance company from overlooking important details of your claim and helps you get a fair assessment of the damage. For instance, if your roof has sustained physical damage after a hailstorm, a professional roofer can inform your adjuster about the cost of replacing missing shingles or repairing damaged gutters.
4. Don’t Settle for Less
Once your insurance company has offered you an amount, it may be tempting to take the first payment. However, remember that some insurance companies may try to lowball homeowners on the first offer to avoid paying more. Thus, you need to have all the facts and know what the damage is likely to cost before you accept the offer from your insurance company.
Are you looking for professional roofing contractors to repair your roof storm damage? Turn to the experts at Nuss Construction Company. We provide top-quality roof repair and replacement services. Call us today at (856) 988-9982, or fill out our online contact form. We proudly serve homeowners in Moorestown, Cherry Hill and Marlton, NJ.