Storms have the potential to seriously harm homes and businesses and result in expensive damage. Despite the fact that most homeowner’s insurance policies normally cover damage from wind, tornadoes, ice storms, hail, lightning strikes, and more, there are a few strategies the insurance companies employ to avoid paying out hefty claims. Why are so many claims for storm damage denied? Insurance companies may view the damage as either pre-existing or the result of natural wear and tear. This is the most typical tactic, but if you follow the appropriate procedures and avoid common mistakes, you may prevent a denied storm damage claim.
Conduct Preventive Maintenance
Insurance companies may assert that the cause of the damage was a result of pre-existing damage or a lack of sufficient maintenance rather than the storm. If they employ this tactic, the onus is on the policyholder to provide evidence to the contrary. This is done to avoid paying out expensive claims. It’s thus crucial to keep up with any necessary preventative maintenance before filing a claim. A denial could be justified by the homeowner’s failure to take reasonable measures to limit the extent of the loss, leaving the property vulnerable to further loss.
On-time Premium Payment
Similar to any insurance policy, if a payment is late and there is a lapse in coverage, the insurance provider may have the power to reject your claim. Be sure your insurance is paid for and up-to-date.
Missing the Deadline for Claims
Start the claim procedure as soon as you can. Always check your insurance policy since deadlines can change.
Snap “Before” Pictures
Usually, individuals end up taking “after” pictures of storm damage, but “before” pictures can easily demonstrate that there was no damage before the storm. Take pictures or record a video of your home and property before storm season starts, timestamp the clip, and maintain this proof just in case it’s needed for an insurance claim. A preliminary inspection service can also ensure this process is carried out properly.
Closely Inspect Your Roof
Little tears or leaks that eventually cause major damage are easy to overlook. The primary cause of storm insurance claims is roof and siding damage, so pay extra close attention to this critical region.
Insurance Coverage for Business Interruption
If you own a business and a storm interferes with your capacity to operate it, you might also want to think about business interruption insurance coverage. This additional insurance will pay for missed sales and income due to the storm, utility, and rent charges for a storm-damaged property, as well as the price of temporary relocation and moving expenses.
Obtain an Official Estimate
Calling a professional to assess and offer an estimate to repair the damage is a good idea if you’re having difficulties determining the extent of the damage or need a second opinion. We advise choosing a trustworthy contractor.
Bring In Legal Counsel
It’s a sensible choice to consult legal counsel if you believe you’ve done everything properly, but your insurance company is making you a lowball offer, delaying payment, or outright rejecting your claim. Contact Stone Claims Group if you need help with your storm damage claim. We also provide umpire services to resolve potential claim disputes between you and your provider in a fair and just manner.