Fixing your roof after it gets damaged can be a big deal, and you want the insurance company to help you with the costs. But you need to be careful about what you say when talking to the person from the insurance company. In this article, we’ll talk about things you should avoid saying to them because your words can sometimes make or break a claim being honored.
- “It’s Only a Small Leak” or “It’s been leaking for a while”
Saying your roof problem is tiny might make the insurance person think it’s not a big deal. Even small roof issues can lead to big problems, so it’s better to explain exactly what’s wrong so they understand why you need help.
- “I Don’t Think It’s That Serious”:
If you downplay how bad the damage is, the insurance person might not believe you. Stick to the facts and show them any proof of what’s wrong. Let the experts decide how serious it is.
- “I’ve been neglecting the maintenance”:
Admitting that you didn’t take care of your roof can give the insurance company a reason to say no to your claim. It’s best not to bring up this part. Instead, focus on what caused the damage, not what you did or didn’t do.
- “I Could Fix It Myself”:
Trying to fix the roof by yourself before the insurance person checks it might cause problems. Let them see the damage first and get advice from professionals before doing any repairs.
- “I Don’t Need Cost Estimates”:
It’s important to know how much the repairs will cost, but don’t talk about it with the insurance person until you’ve talked to a professional contractor. Wrong estimates can cause issues with your claim.
- “I Need the Money really bad”:
Don’t mention personal needs or other expenses when talking to the insurance person. They only want to know about the roof damage and your policy, not your other money problems.
- “I Don’t Have All the Papers”:
Before you talk to the insurance person, make sure you have pictures, receipts, and any documents about your roof and its maintenance. Not having these can make your claim weaker.
- “It Was Kind of My Fault”:
Never say it’s your fault unless you’re sure it was because of something you did wrong. Let the insurance person figure out who’s to blame. Saying sorry too soon can make them say no to your claim.
- “Hurry Up and Pay Me”:
Even if you want your claim settled quickly, don’t rush the insurance person. Pushing them can lead to mistakes in the process. Instead, just make sure you provide all the right info and let them handle the timing.
When you talk to the insurance person about your roof, be careful with your words. Avoid saying these things we talked about in this article. Being honest and having all the right information is important to make sure your insurance claim works when your roof needs fixing.
