FAQ's: The Damage To My Home Isn't Over My Deductible, Is It Still A Claim?

There was an "event" (hail, high winds, etc) and you called your insurance company to see if you have damage.

The insurance adjuster came out and did an inspection and wrote an estimate for the repair.

The repair was not over your deductible.

Is that still a claim?

The answer is: Yes.

If you called the insurance company, then you have filed a claim. Insurance companies do not provide "free" inspections to their policy holders. They assess damage and determine the amount of loss. They are obligated to payout based on the loss, whether or not it exceeds your deductible.

Insurance claims stay on your record for 5 years. Depending on your insurance company policy, and each company is different, if you have 2 claims within 5 years (regardless of payout) you are subject to being cancelled.

We want to avoid this if at all possible.

So with that being said, I HIGHLY recommend an initial inspection to determine the extent of the damage BEFORE calling in your claim. Gwen Co provides that FREE Roof & Exterior Inspection to determine the extent of damage and assist you with your decision to file or not to file.

You can schedule a Free Inspection HERE.

I've assisted thousands of homeowners in this area with insurance claims. If you have any questions about the entire insurance claim process, I'm happy to answer them.

Roofer Gwen

Owner/Founder, Gwen Co LLC

"Everything you love is under that roof."