Knowing how to file a roof claim, and when to file a roof claim is not as easy as spotting damage on your roof. Sometimes it actually makes sense not to file a claim. For example, if you have a $2000 deductible and the damage is only an $2100 loss, you’re better off not filing.
Because each time you file a claim it goes on your record. What’s worse is that it stays on your record for up to 7 years!
Even though the insurance company will only have to pay the $100 that exceeds the deductible, it will still go on your record as a claim.
Depending on your coverage, some damage may not be considered “covered perils.” This means it isn’t going to be covered anyway. But it will still count as a claim.
Should You File a Claim?
There are a few things roofers may not want to talk to you about when it comes to whether or not you should file an insurance claim on your roof.
A lot of times it makes perfect sense to file a claim, and you might be pleasantly surprised to learn that your insurance company will indeed pay for your whole roof.
In other cases, if there’s a chance your claim might be denied. It may be smarter to wait and not file that claim.
Choose a roofer you can trust and get a free assessment of the damage to your roof and the options available to you. This will provide you with the information you need to make the right decision for you home.
Roofsimple offers ideas, not advice. Any insurance or financial decisions should be discussed with a trusted financial adviser or licensed insurance agent.