Filing Roofing insurance claims in Kansas City, MO area can be a frustrating experience.
Most people, ever trustful, rely solely on the information provided by their insurance provider. But this is a huge mistake. Your insurance provider has a vested interest in saving money. Their goal is to limit or deny your claim. Don’t fall for their tricks. By following these important steps, you’ll ensure an accepted claim and save yourself a lot of frustration.
What to do after the Storm
Do not wait to file a claim.
Your insurance company may tell you that you have up to 1 year to file a claim. But this is a misleading business practice. The longer you wait to file a claim, the more likely they are to deny it.
The next step is to mitigate damages. You must—I repeat, must!—mitigate the damages. That means, as a homeowner, it’s your legal responsibility to limit any damage done. This is crucial with roof damage because insurance companies will use any excuse they can to deny the costly repairs of interior damage.
If you’re unaware with how to mitigate damages, give us a call. (The insurance company will reimburse you for any work that we do, just save the receipt!)
What if the Damage Happened in the Past?
Living in Missouri, we’re prone to hailstorms. If your roof suffers hail damage but it doesn’t start leaking immediately, you can still file a claim up to 5 years in the future. Check with your insurance company for specific details.
Please take note: If your insurance company denies your claim for past damages, websites like www.stormersite.com provide hailstorm reports for up to 10 years in the past. These are very effective tools in proving your claim and fighting against insurance companies.
My Claim was Accepted, Now What?
Once your claim is accepted, don’t wait too long. When you get the money, hire a contractor as soon as possible. If the damage gets any worse, your insurance company will deny paying for the extra damages.
By following these simple steps, you’ll protect yourself—and your family—against the deceptive business practices of insurance companies.
Feel free to Contact Collins Roofing if you have any questions about your coverage and how we could help.
We are based in Independence, MO and provide roofing and claim related services to most of Jackson and Johnson County.