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Is it Possible to Reduce Potential Property Damage Insurance Claims?

Although your homeowner’s insurance policy may provide coverage for natural disasters and certain perils, it is a good idea to reduce potential insurance claims for property damages for the following weather events:

  • Hail damage – Hailstorms often produce significant damage to a home’s roof and there are some things that can be done to help reduce roof damage from occurring. Homeowners can replace their worn shingles with impact-resistant roof coverings and ensure that their roof decking is solid. Also, angling the roof can help deflect the force of impact from hail.
  • Tornado and hurricane damages – The main areas that could help reduce damage to a home when wind penetrates a home during a tornado or hurricane are the doors, windows, roof, and garage doors. Aside from keeping the windows and doors shut during windstorms, it is important to prevent damage by installing storm shutters and impact-resistant windows and doors, ensuring your roof’s structure isn’t compromised by loose tiles and shingles, making sure the roof decking is attached to the roof frame, and properly securing garage doors with stronger supports and bracing.  

Insurance companies may offer discounts for your loss mitigation efforts that include roof bracing, installing storm shutters, retrofitting doors, and more. Although it is great to do your part in preventing property damages from occurring, the insurance company still has a duty to provide coverage in the event of a loss. If you haven’t received a fair offer from the insurer, or if your insurance adjuster denied your claim unfairly, you need to contact a skilled insurance claim litigation attorney at the Voss Law Firm today at 888-614-7730 today for a complimentary consultation.

2 Comments
Normally, it should not take more than 30-60 days. If, and only if, it makes financial sense for you to do so, you can write a letter to your insurance company requesting that they pay off your mortgage company right away to avoid further interest payments on your home loan.
by iowaepdmcoatings.info May 23, 2013 at 08:50 AM
Great information! I like your blog.and also told that If your home is severely damaged and you need to find other accommodations while repairs are being made, keep records of all additional expenses incurred. Most homeowners insurance policies provide coverage for the “loss of use” of their home. However, many policies do NOT provide coverage for the additional living expense if a mandatory evacuation is ordered and there is no loss to your home.
by nebraskaepdmcoatings.info April 17, 2013 at 07:57 AM
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