What are pre-loss conditions and why are they important?

If you’ve ever had to file an insurance claim, you’ve probably heard the term “pre-loss condition.” This term references the condition of your home before any damage occurred. Your pre-loss condition is a good thing to be familiar with.

What pre-loss conditions mean

It’s important to know what pre-loss conditions mean, what yours are as a homeowner, and what insurance companies expect when filing a claim. 

If you take photos of your home and important items before a big storm, you’ll have proof of any new damage caused by that storm. This makes the insurance process go more smoothly.

Unfortunately, insurance companies will try to make things a little more difficult for homeowners unless you have a huge hail storm in your area that has affected many people. 

We’ve had adjusters argue in the past about hail damage being old, not new. Insurance companies will often claim damage is old because homeowners didn’t have proof.

To avoid this issue, Palladium Roofing takes photos of the home during inspections to help keep track of its condition, which is also why yearly inspections are crucial.

Get routine inspections

Even if we do no actual repairs during an inspection, we still take pictures and keep a record of your home’s condition, especially in case of unexpected storms or insurance issues.

As mentioned before, insurance companies can be difficult to deal with, but part of Palladium’s process is to handle that part for our clients. We will provide insurance companies with the information they need to complete the claim. We also discuss and compare our findings with the adjuster to ensure homeowners are properly taken care of.

We encourage all homeowners to have routine inspections, particularly before storm season approaches. It will help us catch any damage prior to storm season to ensure a better insurance claim process.