Seeking Advice on Filing a Roof Claim After Nonrenewal
I’m navigating a somewhat tricky insurance situation and could use some guidance.
Last October, my insurance company notified me that they would be conducting an exterior inspection of my home in Georgia, shortly after Hurricane Helene. They performed the inspection in November, and by late January, I received a letter stating they wouldn’t be renewing my policy due to concerns about overhanging branches from my neighbor’s oak trees and granular loss on my roof. The roof is only six years old, and I have the original receipt to prove it.
As a result, I decided to find a new insurance provider. Since then, I’ve had the trees trimmed back, eliminating that concern. Additionally, I called in a couple of independent roofers to examine my roof. Both reported hail damage, but noted that the roof remains leak-free and is generally in good shape. They also mentioned a 1-inch hailstorm that struck my neighborhood last July, which should typically be covered under my insurance for hail damage. Both roofers believe this would likely lead to a successful claim for a total roof and gutter replacement.
Now I’m wondering if it’s worth filing a claim with my old insurance company regarding the hail damage. My current policy ends this month, and the new one kicks in shortly after. The roofers seem confident that the insurance would cover the costs. However, I’m hesitant, as I don’t want to jeopardize my new policy. On the other hand, getting a new roof for just my deductible would be great.
I have a couple of weeks to make a decision, and I’d appreciate any thoughts or advice on what to do next. Thanks!
It’s understandable that you’re feeling uncertain about whether to file a claim with your old insurance company, especially given the complexities of your situation. Here are a few points to consider as you weigh your options:
Claim Filing Timeline: Since your current policy ends soon, it’s important to check with your old insurance company about the deadline for filing claims. You often can file a claim after a policy is canceled or nonrenewed, but the specifics can vary.
Hail Damage Coverage: If the roofers have identified hail damage and your policy includes that coverage, filing a claim could potentially cover the cost of repairs minus your deductible. However, you’ll want to confirm that the damage falls within the scope of your policy.
Impact on New Insurance: It’s true that filing a claim could affect your new policy if the insurance company runs a claims history report. However, since the claim relates to damage that occurred before your new policy took effect and is likely covered by your old policy, it shouldn’t jeopardize your new coverage. You might want to consult with your new insurance agent about their specific policies regarding pre-existing claims.
Future Coverage and Costs: If your old insurer approves the claim, even if it tips your claims history over the edge, it might save you from a bigger expense down the road. If the roof needs repairs in the near future, addressing it now—especially if it’s covered—can save you money.
Consult Your Agents: Both your old and new insurance agents can be valuable resources. They can provide details on your specific situation, help you understand the implications of filing a claim, and guide you on the best path forward.
Given that you’ve already had the trees pruned and confirmed the hail damage, it could be worth pursuing the claim. Just be sure to act quickly and gather all necessary documentation from the roofers. Good luck!