Insurance Claim for Previous Coverage?
In mid-February, we switched to a new insurance company for a better rate. I recently discovered that our rental property sustained damage to the roof during the winter storms in January and February. Our contractor believes it was caused by the strong winds and heavy snowfall. What’s the best way to address this situation? Is it possible to file a claim with our old insurance to cover the repairs?
Yes, you can typically file a claim with your old insurance company for damage that occurred while you still had coverage, even if you’ve since switched providers. Here’s what you should do:
Review Your Old Policy: Check the details of your old insurance policy to ensure that roof damage from winter storms is covered.
Document the Damage: Take clear photographs of the damage and gather any evidence that supports your claim, such as contractors’ assessments or storm reports from that time.
Contact Your Old Insurance Company: Reach out to the customer service department of your old insurance provider as soon as possible. Explain the situation and inquire about the claims process for damage incurred prior to the policy cancellation.
File the Claim: If they confirm your coverage, follow their guidelines for filing a claim. Be prepared to provide documentation and any necessary information about the damage.
Follow Up: Keep records of all communications and follow up as needed to ensure your claim is processed.
Remember, there may be some time limits for filing claims after your policy cancellation, so it’s best to act quickly. Good luck!