I have damage to my home. Should I file a claim?

You may think the answer is an automatic “Yes,” but it really depends on many things. First of all, why do you think you have damage? If someone knocked on your door and told you there is hail damage to your roof, they may just be looking to make a quick buck.

You may think the answer is an automatic “Yes,” but it really depends on many things.

First of all, why do you think you have damage? If someone knocked on your door and told you there is hail damage to your roof, they may just be looking to make a quick buck. I suggest you call a contractor you know and trust and have them take a look at your roof.

Second, what caused the damage? If your roof is 50 years old and should have been replaced 20 years ago, it’s very likely your insurance will not cover the cost of repairs. Insurance is for sudden and unexpected damage (like hail, wind, fire, etc.) not for maintenance issues where damage occurs slowly over a long time period. Have a contractor take a look at the damage and tell you what caused it.

Third, how much damage do you have? Once again, I recommend that you have a contractor prepare an estimate for you. If you have $900 worth of damage and have a $1000 deductible, there is no point in filing a claim.

Unless the roof is so damaged that it is likely to cause more problems due to exposure to the weather, I suggest that you call your agent before you turn in a claim and ask for their advice.

The Agent Insurance Services
330-758-3339

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