Did you know there’s a deadline for filing a claim for weather-related damage to your home? This deadline, known as the statute of limitations, varies by state and policy, but waiting too long could cost you big time. Here’s why acting fast is crucial:
Key Facts About Filing Storm Damage Claims
- Statute of Limitations:
Most states have a time limit, ranging from 1-5 years, to file a claim. Check your policy or consult an expert to avoid missing this critical deadline. - Hidden Damage Risks:
Storm damage isn’t always obvious. Leaks, structural issues, or weakened materials may worsen over time, increasing repair costs. (If storm damage happens, there are steps you can take right away.) - Claim Denial Risks:
Delaying a claim could allow the insurance company to argue that damage is due to neglect rather than the storm itself.
Why You Shouldn’t Wait
- Higher Out-of-Pocket Costs:
Delayed action often means paying for repairs yourself if the damage worsens. - Reduced Evidence of Damage:
It’s harder to prove the storm caused the damage as time passes, making your claim more likely to be denied.
How a Public Adjuster Can Help
- Free Inspections:
Public adjusters offer no-cost inspections to identify damage that may be covered by your policy. - Expert Advocacy:
They work on your behalf to document evidence, interpret policy language, and negotiate with insurance carriers. - Proactive Support:
Even if you’re unsure whether you have a claim, a public adjuster can assess your situation and provide expert guidance.
Don’t let the clock run out! If you’ve experienced a recent storm, contact a public adjuster today for a free inspection and ensure your home is protected.
Bridget Baldi - Public Adjuster 