What happens when you delay filing a claim?

Every homeowner’s situation and insurance policy are different, but one thing we always tell homeowners is to not put off filing an insurance claim. There are a few different reasons for this, and we are going to share them with you!

The claim can be denied

This is the most common, obvious reason why you shouldn’t put off filing a claim. When someone files a home insurance claim, the insurance company will send an adjuster out to take a look and examine the damage, collect evidence and other information, then determine a payout amount.

If you don’t have any evidence that the damage is new, an insurance adjuster will likely claim it’s old damage. This means you will not receive an insurance payout and will have to pay out of pocket to fix the damage.

If the adjuster claims the damage is old, the claim you made will still exist on your insurance, even if you didn’t get a payout. This can increase your insurance costs.

Adjusters can be difficult to work with

The customer service you receive from adjusters often depends on the time of year. Busier seasons when weather is more extreme tend to keep adjusters busy. Information tends to stay fresh in their brains, allowing for more accurate estimates and better customer service.

You could catch an adjuster during the wrong season if you delay filing a claim.

When you should file a claim

Before you call your insurance company, call a professional roof inspector! They will determine if the damage is worth filing a claim for, and some roofing companies like us will take care of the insurance process for you.

We at Palladium Roofing take pictures during inspections to help track old and new damage. Homeowners who have us inspect one to two times a year (recommended) tend to have a better insurance claim experience because we can prove what is new or old damage.

If you’re looking for a reliable roofing company that will make the insurance process easier on you, contact Palladium Roofing! We provide free roof inspections and would love to help keep track of your home’s condition.