Should You File a Roof Insurance Claim on Your Charlotte Home?

If you live in the Charlotte metro area and the roof on your home has been damaged, you might be trying to decide whether or not to file a claim against your homeowners insurance policy.

You might be thinking that you should file a claim regardless of the situation.

After all, you've probably paid a lot of money to your insurance company year after year, right?

But before you do, consider the following.

You should not file a Charlotte roof insurance claim if:

  • The cost to repair your roof is less than your deductible

Since it's your responsibility to pay the cost of your deductible, it doesn't make sense to file an insurance claim for a $400 roof repair if your deductible is $1,000. Filing claims for small dollar amounts doesn't make sense because they can lead a situation where your insurance company could cancel or non-renew your policy and other insurance companies don't want to insure your home either.


  • The cause of your damage is normal wear and tear

Your insurance policy won't pay for a leaky roof that was caused by the fact that you did not maintain your roof or because the roof materials just wore out due to age.


  • You filed a claim in the last 3 years

Insurance companies share a database that tracks your claim history. If they see that you have a history of multiple claims, they might not be willing to accept the risk of insuring your home.


You should file a roof insurance claim in Charlotte if:


  • The cost to repair your roof is more than your deductible

If you have a repair estimate for $5,000 and your deductible is $1,000, file a claim.


  • There is a lot of damage

This is the primary reason you have insurance so go ahead and file a claim.


  • You haven't filed a claim in the last 3 years

If the database system doesn't show a history of claims, you won't be flagged as a high risk and stand a good chance of getting your claim paid. Plus you'll have less risk of being cancelled or non-renewed in the future.


So the next time you have roof damage, call us at 704-989-3189 or request a free estimate.

We'll give you a competitive estimate to repair the damage or replace your roof.

That will give you the information you need to make an intelligent choice about whether or not to file an insurance claim.