Do You Know There Are Time Restraints to File a Homeowners Insurance Claim?
If high winds and baseball-sized hail clobbered your roof in April 2019, don’t think you can wait until your July 2020 vacation to start the process of getting it fixed. You should tell your insurance company as soon as possible. Most homeowners insurance providers have deadlines for you to file a claim. At Peak Roofing & Construction, we advise homeowners to remember just a few numbers, starting with the most important…
One
It’s common for policy holders to have ONE year from the date of damage to file a claim. The Texas Windstorm Insurance Association (TWIA) is one example of that one-year limit. Not all policies are the same, though, so be sure to check yours or ask your agent.
The insurance company must keep time frames to serve its policy holders responsibly and legally.
Fifteen
Your insurance company must tell you it received your claim within 15 days, according to Texas law. Be sure the insurer knows how to contact you. That may seem obvious, but you would be surprised how often people get a new phone number or email address and forget to notify their insurance company.
When you get the acknowledgment, the company may ask you for additional information such as a proof of loss form. Provide as much information as you can as soon as you can to help the claim process go smoothly. As soon as it has the information it needs, the insurance company has 15 business days to accept or deny your claim. If it is denied, the company must tell you why in writing.
Five
If the company has agreed to pay the claim, it has FIVE business days to send you the check.
If you need help negotiating your claim, you can pay for the services of a public insurance adjuster. Public adjusters don’t work on behalf of insurance companies; they work for you. Keep in mind, they are not allowed to give legal advice and must have a Texas Department of Insurance (TDI) license.
Dealing with insurance companies can be confusing if you do not it regularly. The team at Peak Roofing & Construction are here to assist throughout the process to make sure you receive the full benefit allowable by your plan
About Peak Roofing & Construction
Peak Roofing & Construction is family-owned, with 30-years of experience. Bonded, insured and accredited, we provide roofing, gutter, fence, window and exterior facelift services. Guaranteed. Call (972) 335-7325 in Dallas-Fort Worth (residential & commercial).
Joey Riss
Joey is Peak Roofing & Construction’s “renaissance woman”. She is involved in all aspects of the business decision making as well as her office responsibilities and overseeing much of the marketing efforts. Although she lets Jeff climb the roofs, Joey has a thorough understanding of roofing, gutters, windows, fences and exterior painting. When not in the office you will find her focused on her favorite career, raising their precious son.