The time allotted to file an insurance claim can vary depending on the insurance carrier. Most insurance carriers give you 6-12 months to file a claim for storm damage. Others give 2 years.
The cost to restore your property can vary greatly, depending on what damage has been done, the cost of materials and the cost of installation by a reputable contractor. If you are filing an insurance claim, never opt for the cheapest bid. Choose a reputable contractor that is committed to quality workmanship.
Schedule a full property damage inspection with a contractor that is experienced in storm restoration. There is no cost or obligation for the inspection. The Contractor should do a full digital analysis with photos and video of any damages found as well as a damage assessment report.
Peace of mind. If your home or property has been damaged, you have a limited amount of time to file an insurance claim. It's always a good idea to have your repairs done as soon as possible. Having one of our HAAG Certified Inspectors perform the inspection carries a lot of weight. Premier inspectors can effectively and efficiently assess damage. Our HAAG Certified Inspectors report conclusions have a deeper level of credibility. Serving as the extra authority you need if you ever find yourself at odds with another's findings.
The purpose of your insurance is to protect your home and property against losses that affect the value, functionality and safety. If your roof and home have sustained storm damage, your insurance company will provide compensation to have your property repaired. Hail damage to a roof can cause future water intrusion to the interior of your home which can compound the repair costs.
Insurance companies can not single out a homeowner for a reate increase based on an "Act of God". However, your insurance company can raise rates for everyone in your area. So, if you don't file a claim, your increase in your premium will pay for everyone else's repairs in you area.