New York State Roof Wind Damage Claim

Subtle damage caused by wind or hail often reduces the life expectancy of roofing materials.

New york state roof wind damage claim.

Ask your claim handler if your claim is eligible for the state farm premier service program and the roofing services program. That may sound like a basic idea but it can run into some problems in practice. A professional roofer will identify areas that require immediate repair and give you estimates. If the roof is too old or the damage is caused by normal wear and tear it is unlikely that your insurance policy is going to cover the cost to repair the damage or replace the roof.

If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less. State farm is to be congratulated for acknowledging this adjustment principal because many of its insurance competitors and their attorneys try to argue around this concept. This difference could amount to thousands of dollars depending on the age of your roof. Here is an insurance claim question that we recently were asked to weigh in on as a contributing member of insurance claim experts for united policyholders who advocates for property owners.

The carrier is claiming that only a spot repair is required under the policy but the. As such you can t file a claim for damage that you hadn t noticed after the time limit elapses. According to the national oceanic and atmospheric administration noaa there was a total of 4 611 hail storms in the united states during the year 2018 with 2019 ending on a higher number as of year end more than 5 396 hail events were recorded although most people think that property and roof damage only occur in rare instances with larger than average hailstones even the smallest. If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs.

Step 5 the insurance company sends an adjuster to your house to inspect your roof insurance claim assess the damage and determine what is and is not covered for your roof claim. W e received a question from a north carolina consumer regarding a roof replacement due to windstorm damage. Thunderstorms wind storms hail storms and even tornadoes can all cause wind damage to your property and even high winds can wreak havoc on unsecured structures or rooftops causing roof leaks and other potentially catastrophic roof damage. If eligible your claim handler can explain the details of the roofing services program and determine if the program is available in your area.

After the disaster calms and it s safe you can proceed with having the inspection done.