What to Do Before Filing a Wind or Water Claim: Expert Tips from Hooper Insurance

If you're dealing with potential wind or water damage, it’s essential to take the right steps before filing an insurance claim. Many homeowners make the mistake of calling the 800 number too soon, which can lead to unnecessary claims that might negatively affect your premiums. At Hooper Insurance, we recommend reaching out to your agent first. Here's what we advise our clients to do when considering a claim.

Steps to Take Before Filing a Claim:

1. Determine the Cause of the Damage: First, verify if the cause of your loss is a covered peril. Common perils include wind, hail, water, and fire. If you’re unsure, give us a call to help assess whether the damage is covered.

2. Know Your Deductible: Review your policy to check your deductible. Some policies have separate deductibles for wind and hail, different from your all-perils deductible (which covers things like water, fire, theft, etc.). If the damage is less than your deductible, a claim will not be paid out—and filing a claim with a $0 payout could still affect your premium.

3. Consult a Trusted Contractor: Before making any decisions, contact a licensed and insured contractor to assess the damage. This helps you determine whether the cost of repairs exceeds your deductible. Getting an estimate first can save you from filing an unnecessary claim, which may impact your insurance rates.

4. Take Steps to Prevent Further Damage: After identifying damage, it’s your responsibility to prevent it from worsening. Report the damage to your agent or insurance company promptly (we recommend calling us first). Failing to take timely action can result in a claim denial for any additional damage caused by delays.

5. File a Claim if Necessary: If the repair estimate exceeds your deductible, go ahead and file a claim. Once the claim is processed, you'll be assigned a claim number and an adjuster. Keep this information handy, as your adjuster will be your primary contact throughout the process. Always reference your claim number when communicating with them.

At Hooper Insurance, we guide you through the process to ensure your claim is handled correctly and your premiums are protected. For personalized assistance with a claim, reach out to us before making any decisions. Contact us today to speak with an agent and ensure you're taking the right steps to protect your home.

For more helpful tips, visit www.hoopins.com or call us directly! 423-472-1744