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Written by Andy Gurczak

July 28, 2023

Commercial Roofing Insurance Claims: Do’s and Don’ts

Commercial Roofing Insurance Claims: Do’s and Don’ts

As a property owner, dealing with insurance claims can be a challenging task, particularly when it comes to commercial roofing. Whether your roof has suffered damage from water, storms, fire, or other causes, understanding the do’s and don’ts of commercial roofing insurance claims is crucial. This article will provide essential guidelines to help you navigate the insurance claims process and maximize your coverage.

Understanding Insurance Policies and Coverage

Before we delve into the do’s and don’ts of commercial roofing insurance claims, it is important to have a clear understanding of your insurance policy and the coverage it offers. Take the time to review your policy document carefully, paying attention to the terms and conditions, exclusions, and deductibles.

Do’s

  1. Do familiarize yourself with your insurance policy and understand what types of roof damage are covered, including water damage, storm damage, and fire damage.
  2. Do document the damage by taking photographs and keeping detailed records of the incident.
  3. Do notify your insurance company promptly after the damage occurs, providing them with accurate information about the incident.
  4. Do hire a qualified roofing contractor to assess the damage and provide a detailed estimate for restoration or repair, especially for commercial properties.
  5. Do keep copies of all communication with your insurance company, including emails, letters, and phone call records, to ensure a clear record of the claim process.

Don’ts

  1. Don’t assume that all types of roof damage, such as hail storms or fire damage, are automatically covered by your insurance policy. Review the policy terms to understand the coverage limitations.
  2. Don’t delay reporting the damage to your insurance company, as this may lead to claim denial or reduced coverage. Act promptly to initiate the claims process.
  3. Don’t solely rely on the insurance adjuster’s assessment. It is advisable to seek an independent evaluation from a trusted roofing contractor, particularly for commercial properties.
  4. Don’t sign any settlement offers or releases without fully understanding the terms. Consult with a professional, such as an attorney, if needed, to ensure you make informed decisions.
  5. Don’t make unnecessary repairs or alterations to your roof without consulting your insurance company first. Unauthorized repairs may lead to claim denial or reduced coverage.

Navigating the Claims Process

Once you have a clear understanding of your insurance policy and coverage, it’s time to navigate the claims process. The following do’s and don’ts will help you effectively manage your commercial roofing insurance claim:

Do’s

  1. Do promptly report the damage to your insurance company, providing all necessary details and documentation, including information about smoke damage and the need for fire damage restoration.
  2. Do cooperate with the insurance claims adjuster during the inspection and provide access to the affected areas for a comprehensive evaluation.
  3. Do keep a detailed record of all conversations and interactions with the insurance company and claims adjuster to ensure effective communication and documentation.
  4. Do obtain multiple repair estimates from reputable roofing companies to ensure a fair evaluation of the damage and appropriate cost estimation for restoration or replacement.
  5. Do review the insurance adjuster’s assessment and challenge any discrepancies or undervaluation of the damage, especially if it involves commercial real estate.

Don’ts

  1. Don’t withhold any relevant information or misrepresent the facts related to the roof damage, including smoke damage or the need for fire damage restoration.
  2. Don’t accept a settlement offer without carefully reviewing and understanding the terms. Seek professional advice if necessary to ensure a fair settlement.
  3. Don’t hesitate to seek professional help from a public adjuster or attorney if you feel your claim is being unfairly denied or undervalued.
  4. Don’t overlook the importance of documenting the damage and keeping records throughout
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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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