Pre-Claim Preparation Playbook
Everything you need to do before filing your insurance claim. Documentation, policy review, and preparation strategies.
Review Your Insurance Policy
Read your homeowner's insurance policy carefully. Understand your coverage type (ACV vs RCV), deductible amount, coverage limits, and exclusions. Know what's covered and what isn't before you file.
Document Current Condition
If possible, take photos of your roof before damage occurs (during regular inspections). This provides a baseline to compare against post-storm damage and helps establish that damage is new.
Gather Policy Information
Have your policy number, insurance company contact information, and agent details readily available. Know your claim filing deadline and any specific requirements your policy has.
Understand Your Deductible
Know your deductible amount and whether you have separate deductibles for wind/hail damage. Calculate whether the damage exceeds your deductible before filing a claim.
Research Local Contractors
Identify reputable, licensed roofing contractors in your area before you need them. Having a trusted contractor ready speeds up the process after damage occurs.
Create a Documentation System
Set up a system for organizing photos, receipts, estimates, and correspondence. Use cloud storage for backups. Good organization is crucial throughout the claims process.
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