When considering whether to send your private roof inspection report to your insurance company, several factors come into play:
Insurance Policy Requirements: Review your homeowner’s insurance policy to determine if there’s a requirement to submit inspection reports. Some policies may require information about the condition of certain aspects of your home, including the roof, to accurately adjust coverage terms or premiums.
Potential Claims: If your roof inspection reveals damage or issues that you intend to claim, sharing the report with your insurer can be crucial. It provides evidence supporting your claim and can facilitate a quicker resolution. However, note that submitting an inspection report showing pre-existing damage might not guarantee coverage, as policies typically exclude coverage for damages occurring before the policy’s effective date or those outside the prescribed claim period.
Potential Risks: Consider the downsides of sharing the report. If the inspection reveals the roof is in poor condition or needs repair, notifying your insurer could potentially trigger higher premiums or even policy non-renewal, as the insurer may view the property as a higher risk.
Seek Professional Advice: Discuss the situation with your insurance agent or a legal professional to understand the implications fully. They can provide insights tailored to your policy’s specifics and your circumstances.
Voluntary Information Disclosure: While voluntary disclosure of the inspection report can demonstrate good faith and transparency, it’s also essential to balance this with the potential impact it may have on your coverage and premiums.
In summary, deciding to send the report should be based on a careful assessment of your policy obligations, the nature of the roof issues found, and the potential repercussions on your insurance relationship.
