HOW DO I KNOW IF I HAVE STORM DAMAGE?
It can be difficult to identify signs of hail damage, and almost impossible to do so from ground level. Have a trained professional inspect your property and look for damage that can lead to leaks, flooding, structural damage and other serious issues. Wind to your roof can sometimes be seen from the ground. You may notice raised or curled shingles, or some shingles that have blown off. However, it is best to have a trained professional inspect your roof for damage that you cannot see.
Why should I get my home inspected?
Peace of mind. If your home is damaged, you may have a limited time to file an insurance claim. It is always smart to schedule your repairs as soon as possible.
Can I trust my insurance agent to represent my best interests?
No matter how much you like your insurance agent personally, remember, your insurance agent works for the insurance company, which is in business to make money. To ensure you receive a fair value for your claim, get estimates from at least three reputable contractors, not referred by your insurance company. Contractors referred by your insurance company may have a financial incentive to save the insurance company money, at your expense.
WILL MY INSURANCE PREMIUM INCREASE IF I FILE A CLAIM?
Typically, insurance companies cannot single out a homeowner for a rate increase based on an “Act of God” storm damage claim, because IT IS BEYOND OF YOUR CONTROLHowever, your insurance company can raise rates for everyone in your area. So, if you don’t file a claim, your increase in premium will pay for everyone else’s repairs, except for yours.
WHAT IS MY TIME FRAME FOR FILING A CLAIM?
Most insurance companies have a limited claim period. Typically, if you have not filed a claim and had all repairs completed within one year, they are not required to fully indemnify you for your loss. You should file a claim as soon as possible to make certain that all work will be completed before the insurance deadline and to prevent any additional damage.
DO I NEED TO GET TWO OR MORE ESTIMATES?
It is not necessary to get additional estimates .NKB is experienced in working with all insurance companies and will make sure that you will not pay anything out of pocket except your deductible. If a contractor gives you an estimate for less than the pricing determined by your insurance provider, you will not receive the difference. USUALLY WHAT YOUR AGENT WANTS IS YOU TO GET ESTIMATES FOR LESS MONEY AND QUALITY IN ORDER TO SAVE MONEY TO YOUR INSURANCE CARRIER. We will get from them all that you need to get a quality project that meets all the building codes.
WHAT PROBLEMS CAN ARISE FROM STORM DAMAGE?
The most common problems associated with hail damage are leaking water and flooding. Over time, water that leaks through tiny holes in your roof caused by hail can cause serious issues including water damage, mold and structural damage, including roof collapse. IN THE FUTURE YOUR INSURANCE COMPANY MAY CLAIM THAT YOUR PROPERTY GOT DAMAGE FOR NEGLIGENCE BECAUSE IS YOUR RESPOSABILTY TO PROTECT THE PROPEWRT FROM FURTHER DAMAGE