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Problems in filing a claim?

Updated: Nov 19, 2020

Before filing an Insurance Roof Claim, here are some tips:

Know Your Deductible

Deductibles can change according to the cause of damage. So find out from your agent or your policy declaration page. 

Depending on your deductible you may consider paying the bill without involving the insurance company. Keep in mind that you will have to pay your deductible before the insurance company pays a claim, so you won't necessarily be losing money by paying for small repairs.

Decide to File a Claim or Not If the damage estimate to your home or property is more than the deductible, contact your insurance company immediately to file the claim. 

It is also a good idea to take the following steps:

Take pictures of the damage as soon as possible: You will need to document the damage that your home or property suffered quickly and accurately. Take plenty of pictures, and even walk through your home with a camcorder to paint a complete picture.

Take all the costs into account: When you value the claim, include cost of materials, labor, and the value of items that you lost. 

Prevent further damage, but notify the insurance company first: If you are able to prevent further damage with temporary repairs by you or a contractor, then you should talk to the insurance company about what you should do. Do not take any action without advice from your insurance company! Putting on Roof Tarps is a common protective and temporary repair measure and we can do that for you. 

*Be thorough.  Make sure you are thorough when you describe the damage and the cause, but only stick to facts! You do not need to add your opinion!

*Try to be present for any inspections of the damage: Whether the insurance adjuster visits your home or sends an independent inspector, it may be in your best interest to be there or have your contractor present. 

Don't get forced into a settlement! Be patient, be firm, and get the home insurance check you deserve. And let your contractor file supplements (additional requests for funds to cover damaged items not included on the first check) to help you get what you deserve.  *Know your rights under the home insurance policy! Read through your policy, and

make sure your company does what it is supposed to do. Not many contractor's understand insurance policy but APD Roofing does thanks to our in-house licensed claims team. 

*Make sure your claim is filed properly: Get a claim number, a contact name and a phone number for your insurance claims adjuster.

Document EVERYTHING! You need to be diligent in recording and documenting the process. 

Stay on top of the insurance company. Make sure you stay in regular contact with the company through the home insurance claim process. *Work with the company, but don't get pushed around. If you feel like you are owed for losses that you can prove occurred, do not accept short payment from the company. You can always dispute an insurance settlement if you can prove you are owed more damages.

*Be Honest: Do not lie on a home insurance claim. Not only will your claim be denied, but you can face legal consequences.

Mel Huckaby


APD Roofing Houston

April Cumbalon


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