Hurricane Insurance Claims

Hurricane Insurance Claims
Hurricane Insurance Claims

Few Tips for Making a Home Insurance Claim

People buy home insurance policies so that they can protect themselves from financial burden that comes from different types of damages due to fire, hurricane, flood, natural disasters, theft etc. the only problem with the policy is that very few people file a claim because the whole process of filling a home insurance claim is tricky, lengthy and confusing.
Few tips are given below that can help a home insurance policy owner while filing a claim against his or her property:

•    Inform your insurer or agent, who so ever is to be contacted, about the losses and damages as soon as possible. This helps the company to start the necessary process involved when a claim is filed immediately. Mostly small claims are dealt with more quickly and efficiently. In case you deal with the agent then make sure you have all the personal details of the agent like full name, phone number, address, etc. it is insurance agents that will actually help you so make sure you don’t loose your agent after the policy is taken.
•    If there are any kinds of emergency repairs that are to be made then ask for your insurer to help you with the list of all the companies are authorized and help you with immediate repairing in your house. Some of these immediate services are listed with the insurance company and so they charge them directly. It is advisable to get all the complete paperwork from your company for such emergency cases.
•    Keep a record of everything and smartly store all the necessary documents on the damage of your property and repair. You can do this by recording videos or taking photos and even by writing down the things about the event. This will help you when you need to adjust your insurance. A receipt of the payments made by you for repairing or replacing the things is also to be kept for the records. Witnesses like your neighbors, reports from police and fire department also have a high value during claiming process.

For having full benefits of your policy read all the terms and conditions carefully and only then finalize the policy. There are many con companies who attract people with the attractive policies but these sites are difficult to reach during the claims. So make sure your insurance company is trustable and you have all the details of the company nicely checked in advance.

Is there a time limit on insurance claims for hurricane damage to roofs, I want to file a claim now?

I am a salesman for a roofing contractor and I am trying to start filing claims for homeowners who didn’t realize their homes needed to be repaired and I want to make sure I am not setting myself and the homeowner up for failure

Lots of luck. The problem is, if they don’t have a hole in the roof from a tree blowing in, or some other obvious problem that was readily available, the best you can hope for is a contribution of hurricane damage with a wearing out roof. The insurance company WON’T pay for the worn out part of the roof, and the deductible is usually high enough to cover the few missing shingles that the hurricane actually blew off.

Additionally, once you start getting more than two weeks after the hurricane, the adjusters say, well, what TOOK you so long to report it? And they say, well, this roofer came up to my door and said, I notice you have hurricane damage!! LOL You could be looking at an insurance fraud case, if you pursue it THAT way.

Anyway. There’s no time limit, but you need a darned good reason why the claim wasn’t reported in a timely manner – and if you have more than one or two rains after the damage, they’ll divide the damage up by each storm . . . which makes it even smaller!!

Also, in hurricane prone areas, are you aware that the hurricane damage deductible is actually a PERCENTAGE amount, not a dollar amount? So, for example, if you have a $150,000 house in Houston, the hurricane/wind deductible is somewhere betwen 2% and 5%, which means the deductible on the roof damage is AT LEAST $3,000.

So yes, I think you’d be setting yourself up for some legal problems, and setting up the homeowner for a bunch of uninsured costs.

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