DONE RITE Remodeling & Roofing
DONE RITE Remodeling & Roofing

Common Mistakes to Avoid When Filing an Insurance Claim

A lot of individuals may believe that paying a significant amount of money for their yearly insurance premium is pointless. They argue that it's improbable for their house to undergo substantial damage that necessitates a new roof every year. Nonetheless, the majority of people would agree that having home insurance is a crucial step in safeguarding their property.

Many homeowners are reluctant to use their home insurance policies because they worry that their insurance rates will go up. According to the Insurance Information Institute, the average amount homeowners spent on their home insurance premiums was $1,211, but only 6% of them filed a claim. Despite this low percentage, many of us still avoid using our home insurance policies because we fear that doing so will increase our rates.

To help you maximize your insurance policy, we have compiled a list of common mistakes to avoid.

DONE RITE Remodeling & Roofing


Mistake 1: Not Filing a Claim When You Should

Many homeowners fear that if they file an insurance claim, their insurance rates will increase. This fear often results in people paying for damages and repairs out of pocket, even when their insurance policy covers them. It's essential to understand that insurance is there to help you when you need it. Don't hesitate to use it if the situation calls for it.

Mistake 2: Filing a Claim When You Shouldn’t

Deciding when to file an insurance claim and when to pay out of pocket can be a difficult decision. It's important to consider the type and severity of the damage before making a decision. If it's a major issue, insurance may be your only option. However, for minor repairs that aren't essential, it's better to pay out of pocket. It's a good idea to get an estimate for repairs before deciding whether to file a claim or not. Also, keep in mind that cosmetic damage may not be covered by many home insurance policies. Therefore, you may have to pay out of pocket for minor issues.

Mistake 3: Hiring the Wrong Contractor

After a major storm, there is a possibility of your roof getting damaged. If you think that you need to get it repaired, be careful when a friendly contractor approaches you offering a great deal. They might not be genuine, so you should be cautious.

It's important to be mindful that after a storm damages homes in your neighborhood, some roofing contractors may approach you at your doorstep offering their services. While some of them may be trustworthy, this is also a prime opportunity for scams. You may file an insurance claim and hire a contractor, only to have them take your money and disappear, or perform subpar repairs. Therefore, it's important to exercise caution and do thorough research before hiring anyone to work on your home.

Before you file a claim for your home's repair, contact DONE RITE - your local roofing contractor in Indianapolis. We offer a free home inspection and provide a detailed quote, which you can then discuss with your insurance agent.

DONE RITE Remodeling & Roofing
Your Insurance Claim's Specialist


Enter the number 4 below - I AM NOT A ROBOT

Facebook Roofing Reviews   Twitter Roofing Contractors Indianapolis

NRCA Indianapolis Roofing Contractor

ABC Indianapolis Roofing Contractor

Don't confuse us with copycats. We're in the RED trucks.
And remember.
The job's not done unless it's DONE RITE!

Click below to see our bath & basement remodeling commercial.