Drastic weather events seem to be happening more frequently in recent years. Some people attribute these increasing occurrences of terrible weather to global warming. But whether you’re a believer or disbeliever in global warming, you still have to think about the impact a storm will have on your home.
When young couples and individuals first purchase a home, they purchase insurance with the idea that “nothing will ever happen to us.” Unfortunately, in the course of the majority of homeowner’s lives, something is going to go wring at one time or another. And when it does, people who have never filed a claim before a left wracking their brains to find the best course of action.
Instead of making common mistakes that can set you back financially for years to come (some storms can cause excessive amounts of property damage), remember to keep the following in mind when deciding whether or not to file a claim.
I Couldn’t See Any Notable Damage, So I Don’t Need to File a Claim
After heavy storms – especially those with hail – homeowners will self-inspect their property to make sure that a storm didn’t tear apart their home. But here’s the catch: most homeowners can’t always properly identify different types of property damage, and even hail damage could be mistaken for the regular color or natural wear and tear of asphalt shingles. Roofing systems in particular need to be inspected by a qualified professional to ensure that there isn’t any structural damage or risk of leaks after a heavy storm.
My Insurance Company Will Cancel My Policy If I File an Insurance Claim
As strange as it may sound, some people wrongly suffer from the delusion that their insurance provider will cancel their policy if they file a legitimate claim. If that were true, then what’s the point of having insurance in the first place? An insurance company cannot and will not cancel your policy for genuine disaster-related claims. On the other hand, make sure that you really do have a real claim, or you could land yourself in trouble with fraud related charges.
My Insurance Company Will Raise My Rates After I File a Claim
This frequently asked question does have a grain of truth to it. You see, it isn’t uncommon for insurance companies to raise rates. In part, this is simply due to economic forces like inflation, but sometimes, it could be because a storm damaged a high number of homes all within a local area. But if you fail to file a claim because you are concerned rates will increase, and then they do anyway, your failure to make a claim is paying for everyone else’s repairs. In short, it’s generally a bad idea to leave money on the table.
Whether you need emergency water removal and water restoration, repairs due to storms, or smoke and fire restoration, we’re here to lend a helping hand. Remember that these issues need to be acted on quickly, so it’s usually best to contact aid within the first 48 hours at the latest.