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.