If you suspect your roof may have sustained damage, it's natural to want to resolve the issue as quickly as possible. However, before you call your insurance agency and request an adjuster to inspect your roof, there are a few crucial steps you should take to avoid potential pitfalls.
The Risk of Filing a Claim Without Verified Damage
When you file a claim and request an adjuster to inspect your roof, the visit itself counts as a claim occurrence, even if the adjuster determines there is no damage. This means that even though no payout is made, the claim is recorded in your insurance history. Having multiple occurrences, even for non-damaging events, can impact your insurance premiums and future coverage options.
Steps to Take Before Filing a Claim
Inspect the Roof Yourself or Hire a Professional:
Before contacting your insurance company, conduct a visual inspection of your roof. Look for obvious signs of damage, such as missing shingles, dents, or leaks. If you're uncomfortable or unsure about assessing the damage yourself, consider hiring a professional roofer in Elkin, NC to inspect it for you.
A professional roofer can provide a detailed report and photographs of any damage, which can be invaluable when filing a claim.
Document the Damage:
If you find damage, take clear, detailed photos from various angles. Document the date and any relevant details about the weather conditions in Elkin that may have caused the damage. This documentation will support your claim and can expedite the process if you decide to file.
Consider the Impact of Filing a Claim:
Before filing, weigh the cost of repairs against your deductible. If the repair cost is close to or below your deductible, it might be more cost-effective to pay for the repairs out of pocket rather than filing a claim.
Understand that multiple occurrences on your record, even if they result in no payout, can lead to higher premiums or difficulty obtaining coverage in the future.
Consult Your Insurance Agent:
If you're uncertain about whether to file a claim, speak with your local insurance agent in Elkin. They can provide guidance based on your specific policy and help you decide the best course of action. They can also inform you about any impact a claim might have on your insurance history.
When to File a Claim
After taking the above steps, if you have verified damage and believe it exceeds your deductible, it’s appropriate to file a claim. Provide your insurer with the documentation you’ve gathered, including the professional roofer’s report and photos, to support your case.
Final Thoughts
Being proactive and informed can save you time, money, and hassle in the long run. Don’t rush to file a claim before verifying the damage, as it could have unintended consequences on your insurance record. Always take the time to inspect, document, and consult before making your decision.
If you have any questions or need assistance with a potential roof damage claim, feel free to contact our Elkin office. We’re here to help you navigate the process and ensure you make the best decision for your situation.