Do you have wind damage from the recent storms? Are you contemplating calling your insurance carrier? We suggest you call a roofer first and here is why:
- Most wind claims are below the deductible and insurance won’t end up paying on the claim, but they will report a claim on your loss history. Loss history impacts your premium and your ability to switch to another insurance carrier later as some of them have requirements that you be claim-free for 2 years before they will accept you.
- Many roofs that we look at have hail damage that is within the payable loss window of 2 years which will total out the roof. This mixture of claims can create 2 claims and 2 deductibles being applied. It is always better to report perils that are above your deductible so that your claim history is not necessarily negatively impacted.
- Lots of times the insurance adjusters ask you to get an estimate from a roofer for wind damage. If you are missing shingles, you have a duty to prevent further loss and a roofing company will need to tarp the roof. One phone call can get the roofer over to temporarily repair the damage and give you an estimate so that you know ahead of time whether the damage is below your deductible and therefore not worth turning in a claim.
- Many companies are not having their adjuster work in the field due to COVID-19, instead they are asking insured to get an estimate from a contractor.
- We inspect roofs for free all year-round and we write free estimates. Amanda Schmidt, our estimator, has 10-years experience as an insurance adjuster and can help you to only turn in losses that are payable and covered under a policy peril. Amanda also is a HAAG Certified Residential Roof Inspector, which can aid you in getting covered claims turned into to your insurance carrier accurately.
Only turning in payable claims helps to keep everyone’s premiums stable and lower. It means less work (overhead expense) for the insurance carrier, so underwriting doesn’t need to re-evaluate rates due to increases in LAE (Loss Adjusting Expense). It also means that your loss history doesn’t increase, putting your in a higher class rating for risk – therefore your premium stays stable.