Dealing with the insurance companies can be overwhelming — from gathering the necessary documents for filing the claim and scheduling appointments, to lengthy negotiations with the insurance adjuster to make sure all the damage is reported and paid for, the process is never as straightforward as one would expect. Considering also, that you are currently dealing with some form of storm damage, it is important to understand how best to navigate the process and avoid the many mistakes that often lead to denied or underpaid claims. Moss Roofing, your trusted roofing company, looks at some of these mistakes below:
Not Filing a Timely Claim
This is the most common mistake that homeowners make, which is incidentally also the easiest to avoid. If your property has suffered any storm damage, you should begin the filing process right away. This is because some insurance policies come with a deadline for when you can file a storm damage claim and when that period has passed, then the claim cannot be processed.
Not Documenting the Storm Damage
When a storm hits, one of the first things to do is to find a way to mitigate the situation and try to rearrange things around, albeit to maintain the livable conditions of the house. While this is a necessary step, it also means you will not be able to fully document the extent of the damage. Any experienced roofer will tell you that it might be more prudent to take pictures or records of the extent of the devastation before moving things around to ensure that everything is fully documented.
Accepting the First Settlement Offer From the Insurance Agency
Many homeowners are not equipped for the hassles involved with negotiating insurance payouts. Most of them just want to get their homes repaired as soon as possible so they’re inclined to accept the first offer that their insurance sent out. This is a mistake. You should not accept anything unless it fully covers the cost of repairs and restoration.
Moss Roofing is happy to provide any form of insurance claims assistance. With our years of experience, we are sure we can help you avoid all these mistakes. As your leading residential roofing contractor, we are committed to ensuring a smooth insurance claims process and a just payout. Call us now at (317) 207-4778 to get started. We serve clients in Noblesville and Indianapolis, IN.