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.

New york state roof wind damage claim.

After the disaster calms and it s safe you can proceed with having the inspection done. 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. A professional roofer will identify areas that require immediate repair and give you estimates. 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.

Subtle damage caused by wind or hail often reduces the life expectancy of roofing materials. It is possible that an insurance claim for roof damage will be denied because of the age of the roof. If you have roof wind damage your insurance company has a legal obligation to repair or replace the roof whichever costs less. 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.

That may sound like a basic idea but it can run into some problems in practice. As such you can t file a claim for damage that you hadn t noticed after the time limit elapses. First your shingles and roofing may have discolored with age. 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.

Step 6 the insurance company processes your roof damage insurance claim covering the cost of repairing your roof to its pre loss condition or replacing your roof. W e received a question from a north carolina consumer regarding a roof replacement due to windstorm damage. This difference could amount to thousands of dollars depending on the age of your roof. If eligible your claim handler can explain the details of the roofing services program and determine if the program is available in your area.

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.