11/26/2022
Not filing a claim could lead to not finding insurance in the future. For example, carriers will not insure you if you have significant roof damage. Many carriers are leaving the state of Florida, so if they drop you a couple of years after a hurricane and you still have those roof damages, other carriers will not insure you until you fix your roof. So you’ll end up paying out of pocket. Many homeowners have very real misconceptions about how insurance companies work. You should always have a public adjuster determine if you have enough damage worth filing a claim or not! I’m going to answer a couple of these misconceptions:
1) “I don’t want to file a claim because I’m afraid my insurance will raise my rates”
Insurances will raise your rates more so because of the risk of the area you live in, not so much because of your claim history. So if all your neighbors are getting new roofs, you’re doing no favor to yourself by holding back on filing a claim. Instead you are doing a favor to the insurance company. One less homeowner to pay! To further worsen the situation, you have a higher chance of getting denied by your insurance company for filing late. If they then drop you, it will be impossible for you to find a carrier to insure you with your current roof damage. Think of insurance as an asset. It’s there so you don’t have to make financial sacrifices when the time comes. Don’t be foolish. File a claim!
2) “I had a roofer check my roof and they said my roof is fine”
Roofers cannot negotiate with your insurance company, even if they know you may need a new roof, they may tell you otherwise because they know the insurance company will deny the full roof replacement. As public adjusters we know what you’re entitled to and we have the license to negotiate with your insurance on your behalf. We have been successful in getting homeowners new roofs EVEN WITHOUT A HURRICANE!
Moral of the story is always CALL A PUBLIC ADJUSTER for an inspection! We offer free inspections and consultations 🕵🏽♂️.
Contact me at (239)268-3600
Juan Rendon
Public Adjuster
License