Insurance Claim for Previous Coverage?
In mid-February, we switched insurance companies for a more favorable rate. I recently discovered that our rental property’s roof has sustained damage from the winter storms we experienced in January and February. Our contractor believes the damage is due to the strong winds and heavy snowfall. What’s the best way to approach this situation? Can we file a claim with our previous insurance to cover the repairs?
Yes, you can typically file a claim with your old insurance company for damage that occurred while your policy was active, even if you’ve since switched providers. Here are some steps you can take to handle this situation:
Review Your Old Policy: Check your old insurance policy to understand the coverage details and whether storm damage is included.
Document the Damage: Take clear photos of the roof damage and gather any other documentation, such as the contractor’s assessment, to support your claim.
Contact Your Old Insurance Company: Reach out to your previous insurer and explain the situation. Provide them with the details of the damage and the date it occurred.
File a Claim: If the insurer confirms that you can file a claim for damage incurred while the policy was in force, follow their process to submit a claim. Be ready to provide any required documentation.
Keep Records: Maintain copies of all correspondence with the insurance company and any documents related to the damage and repair estimates.
Consult Your Contractor: Your contractor can also help by providing a detailed estimate of repairs needed, which can strengthen your claim.
In the meantime, continue to work with your new insurance company if there are any questions or concerns regarding your current coverage. Good luck!