Deciding whether to file an insurance claim for a roof inspection depends on several factors, including the extent of damage, your insurance policy, and your financial situation. Here are some steps to help you make an informed decision:
Assess the Damage:
First, assess the extent of the damage to your roof. If it’s a minor issue like a few missing shingles or minor wear and tear, it may be more cost-effective to have a contractor do the repairs. The deductible plays a big part.
Review Your Policy:
A knowledgeable contractor can help you understand your policy. Also, your agent should also be able to educate you on your policy.
Deductible Consideration:
We’ve all experienced the increased deductibles and skyrocketing prices. In the 1990’s deductables were typically zero or $250.00. Now, a typical deductable is $2000 or more!
Consult Your Insurance Company:
The right contractor understands and can navigate you through the claims process and advise accordingly.
Documentation:
If you decide to file a claim, document the damage thoroughly. Take photos and make notes of the damage and the date it occurred. This documentation will be important when you file your claim. Any good contractor can help you with photos and documentation.
Get a Quote:
Always check the BBB rating and the Google reviews. Also, browse their website to see if it’s the type of contractor that best suits your needs.
Consider the Long-Term Impact:
Keep in mind that filing a claim can affect your insurance premium. If you have a history of frequent claims, your premium may increase, or your policy could even be canceled. Consider how this might impact your long-term insurance costs.
Time Sensitivity:
All insurance policies have time limits for filing claims after the damage occurs. Be aware of any deadlines in your policy and act promptly if you decide to file a claim.
The decision to file an insurance claim for a roof inspection should be based on the extent of damage, your insurance policy, deductible, and your financial situation. It’s often a good idea to consult with your insurance company and consider the long-term implications of filing a claim. Ultimately, the goal is to make the most cost-effective decision that ensures your roof is properly repaired or replaced.
No matter what the season, the A&A Roofing & Exteriors team is here for you. Our team has experience working across all seasons in the Midwest climate and is able to get the job done at any time of the year.
