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Written by Andy Gurczak

January 8, 2024

Time Limits for Filing Commercial Roofing Insurance Claims

The Time Limit For Filing Claims

When floods, storms, or fires destroy roofs, insurance claims can save homeowners. However, property owners must be aware of the commercial roofing insurance claim deadline. We’ll explain this crucial period in this piece to help property owners manage the claims procedure.

The Importance of Timely Roofing Insurance Claims

Insurance can cover the cost of fixing or replacing your commercial property’s roof. This coverage applies if water, storms, or fire damage the roof. However, insurance policies come with specific timeframes within which you must file your claim. The Time Limit For Filing Claims varies depending on the type of damage and your insurance company’s rules. People also know this time limit as the “Statute of Limitations” or “Limitation Period.”

Roofing insurance claims

If you do not follow these time limits, we may reject your claim. This means that you will be responsible for paying to fix or replace your roof. Knowing when to file insurance claims for commercial roofing and the consequences of missing deadlines is important. This knowledge is essential to avoid any potential issues.

Types of Damage Covered by Roofing Insurance Claims

To understand the time limits, it’s important to know the types of damage usually covered by roofing insurance claims. This knowledge will help property owners identify when they need to initiate the claims process:

  • Water Damage: Roof leaks and water infiltration are common issues, especially in areas with heavy rainfall. Insurance coverage can help address the damage caused by water intrusion.
  • Storm Damage: High winds, hail storms, and other severe weather events can wreak havoc on your commercial property’s roof. Insurance claims can assist in repairing storm-related roof damage. If there is a fire, insurance may cover the damage to your roof caused by both the fire and the smoke.

Water damage, storm damage, fire damage

Let’s now explore the time limit for filing claims for different types of damage.

Time Limits for Filing Roofing Insurance Claims

Insurance companies have different deadlines for roofing insurance claims and typically specify them in your policy. Below, we’ll discuss the general timeframes for filing claims based on the type of damage:

Water Damage Claims

For water damage claims, it’s essential to act swiftly. Insurance policies typically require property owners to promptly report water damage and initiate the claims process. You should do it fairly quickly, usually within 48 hours of finding the damage. Failing to do so can jeopardize your claim’s chances of approval.

Water damage, insurance claims adjuster

Take photos of the damage and save all communication with your insurance company and adjuster. This documentation can help streamline the claims process and provide evidence of the damage’s severity.

Storm Damage Claims

Storm damage claims, including those resulting from hail storms and high winds, typically have a more generous time window for filing. However, it’s still essential to initiate the claims process promptly. Most insurance policies allow property owners to file storm damage claims within one year of the damage occurring.

Hail storm, high winds, insurance claims

As with water damage claims, thorough documentation of the storm’s impact on your roof is essential. This includes photographs of the damaged areas and any temporary repairs made to prevent further harm.

Fire Damage Claims

Fire and smoke-damaged roofs need prompt repair owing to safety risks and fast degradation. Insurance plans usually require property owners to disclose fire damage and start the claims procedure within 30 days.

House fire, fire and smoke damaged

Your top concern after a fire should be property and occupant safety. After that, notify the damage to your insurance carrier immediately. The insurance adjuster will evaluate the damage and help you file a claim.

Navigating the Claims Process

Understanding the time limit for filing claims is just one part of the process. To maximize your chances of a successful claim, follow these essential steps:

  • Contact Your Insurance Company: Notify your insurance company as soon as you discover the damage. Provide them with all the necessary information, including photographs and documentation. They can assess the damage and provide an estimate for repairing or replacing it. This information will be essential during the claims process.
  • When the insurance person comes to check the damage, give them any needed papers or info.
  • Keep records of all communication with your insurance company, roofing contractor, and others involved in the claims process.
  • Once the insurance company and roofing contractor approve your claim, you should collaborate with them. We need to work together to fix or change your roof as stated in your policy.

Claims process, roofing contractor, insurance claims adjuster, roof replacement

Simplifying the Insurance Claims Process

The insurance claims process can be overwhelming, especially when dealing with the stress of roof damage. To simplify the process and ensure a smoother experience, keep the following tips in mind:

  • Familiarize yourself with your insurance policy’s terms and conditions, including the time limits for filing claims.
  • Act quickly when you find roof damage. Contact your insurance company right away to start the claims process.
  • Take pictures, keep records, and save all documents related to the damage and communication.

Insurance cover, affected areas, roofing companies, asphalt shingles

Conclusion

Property owners should be aware of the deadlines for filing insurance claims for commercial roofing. This is important to protect their investments and ensure prompt repairs or replacements in case of a disaster. Water, storm, and fire damage demand understanding your insurance coverage and responding quickly.

Commercial real estate, insurance company

To make insurance claims easier and get expert help, consult professionals such as AllCity Adjusting. They are a leading insurance company that helps property owners with their claims. You can reach them at 844.692.3587.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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