Question about Filing a Claim with Previous Insurance
In mid-February, we switched to a new insurance provider for a better rate. I recently discovered that the roof of our rental property sustained damage from winter storms in January and February. Our contractor believes the damage is due to the strong winds and heavy snowfall. What steps should we take now? Is it possible to file a claim with our old insurance company for these repairs?
It’s definitely worth reaching out to your old insurance company to see if you can file a claim for the roof damage. Generally, insurance policies cover claims for incidents that occurred while the policy was active, so if the damage happened during the period when you were still with the old insurer, you should be able to file a claim.
Here are some steps you can take:
Review Your Old Policy: Check the coverage details of your old insurance policy to confirm that roof damage from storms is included.
Document the Damage: Take clear photos of the damage and gather any relevant information, such as the dates of the storms and any communication with your contractor.
Contact Your Old Insurance Company: Call or email them to explain the situation. Be prepared to provide the details of the damage, the timeline, and any supporting documentation.
File a Claim: If they confirm that you can file a claim, follow their process to submit the claim officially.
Keep Records: Keep copies of all communication you have with the insurance company for your records.
It’s also a good idea to notify your new insurance company about the situation, even if the damage falls under your previous policy. They can provide guidance on how it might affect your coverage moving forward. Good luck!