30
Jan

Will Filing an Insurance Claim After a Storm Increase Insurance Rates?

damage storm increase insurance rates

Scared that filing an insurance claim after a storm will increase insurance rates? 

You are not alone!  But fortunately, your insurance company is NOT ALLOWED to increase your insurance rates from damage due to storms (or Acts of God).

“But my friend, neighbor, brother-in-law, co-worker, (FILL IN THE BLANK) once told me that filing an insurance claim will make my rates go up.”

Why do most people assume that filing a home insurance claim will increase their rates?

Because we have been conditioned into assuming that a claim, any claim, will cause rates to go up.

Auto insurance has worked this was for so long, we assume all insurance, including home insurance, will operate the same way.

Home insurance does NOT work this way.  

How is home owner insurance different?

The reason behind your claim is the determining factor in whether or not the insurance company can increase your rates (or drop you).

The reason behind a storm claim is very simple – a storm.

Your insurance rates CANNOT be increased due to claim related to a storm.

The answer is simple.  If you have storm damage, make a claim!

Get the money your are owed, WITHOUT the fear of increasing insurance rates.



Want more information?  Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us. 

No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

28
May

5 Reasons To Notify The Insurance Company After A Recent Hail Storm

recent hail storm map texas

Thunderstorms Bring Hail to Texas

Why Notify The Insurance Company After A Recent Hail Storm?

One of the most frequent questions asked is “Do I need to call my insurance company?” or similarly, “Do I have to call my insurance company?”

The simple answer is YES.  Call and make an insurance claim.  Not only does it makes sense but you most likely must do it or you breach your insurance contract.

Homeowners often are nervous about making an insurance claim, even after storm damage.  Usually this fear stems from past experiences related to auto insurance.  That being, that rates will increase after a claim.  But property insurance contracts and State insurance laws are different.

Top 5 Reasons To Notify The Insurance Company After A Recent Hail Storm

1. If you have recently received damage you are more than likely REQUIRED to notify the insurance company under your policy.

2. In the future, they can deny a roof replacement claim due to undisclosed and previous damage.

3. There exists a statute of limitations on insurance claims.  Once this run out, the insurance company can deny your request to replace the roof.

4. You are paying for insurance in case of storm damage or similar reasons.  Why would you not use it?

5. Your rates CANNOT be raised for making a claim, whether approved or denied.  Repeat the words: CANNOT be raised.

So in the immortal words of Nike, Just Do It!

Notify the Insurance Company after a recent hail storm by making an insurance claim.  Get the estimated damage and monies available to replace your roof from the insurance company.

Bid out the job to at least seven different companies to find the best contractors at the best price.  Save tons of money. Enjoy your new roof.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.

 

15
May

Brazoria County Hail Storm? What to do next.

Brazoria County Hail Storm Hail Paths

“Hail and wind like I haven’t seen in all the years I’ve lived here,”

said James S., a Lake Jackson resident who also works in Brazoria County.  Later he remarked “Northwood and West Columbia got hit pretty good and the weather service said Angleton got some 4 inch hail”.

This is no surprise if your reside almost anywhere in Brazoria County, Texas.  Last month’s April showers brought high wind, hail, and what some were calling a 500-year rain.

While a Brazoria County hail storm is not unheard of, it has been several years since Brazoria has seen hail larger than a marble.

The picture above shows a hail path we mapped around Angleton and Lake Jackson from just a single day.  The hail path shows just the center of the storm; the actual swath of the storm was much, much larger.   What does this mean?  If a property was anywhere near this path it got hit.

Did you get large or small hail?

Even small hail can cause significant damage in large volumes or high winds.  Ever seen a picture of hay needles or branches stuck into the side of a barn from tornado winds?  Even small hail such as pea or marble- sized can do significant damage when thrown at 60-70 mph.  The latest Brazoria County hail storms had very high winds.

Brazoria County Hail Storm pea sized hail

Small hail which caused damage in Brazoria
County

What to do if you suspect you have roof damage from the Brazoria County hail storms?

Call, Examine, Act

  • Call your insurance company, open a claim, and have your roof examined. REMEMBER: Your rates cannot be increased for making a storm related claim.
  • Examine the results of the insurance company’s estimate of damage before doing anything else.
  • Act by taking advantage of the insurance company’s estimate and their money:
    • If they agree to replace your roof in full then start by getting at least 7 bids from qualified roofers (Better Business Bureau, etc.).
    • If they DO NOT agree to replace in full, but only part of your roof then:
      • Get 3 roofers to examine your roof to get their opinion OR
      • Hire a licensed insurance adjuster (not a Public Adjuster) to verify the actual damage OR
      • Contact RoofBidders and we will advise you AT NO CHARGE based on satellite imagery and on the ground spotters.
    • After getting multiple bids by high quality roofers, put a new roof on your home, and save tons of money.

NOTE: If the insurance company denies your claim and you know you have damage from the latest Brazoria County hail storm (or any other storm) then contact an attorney.

REMEMBER:  Take advantage of infrequent but powerful storms to upgrade your home by having the insurance company buy you a new roof whenever possible.


Confused or want more information? Trying to understand the costs associated with replacing a roof?  Call, email, post to Facebook, or tweet to us.  No Fee, No Obligation, Just help for you.

Don’t want to talk to anyone and just want a quick, satellite photograph measurement to help estimate the cost for your roof?  Order the Quick Report

If you have a specific roof issue and can send us a photo via email, Facebook, or Twitter, we will do our best to advise you on the specific issue.