One Call Many Quotes

For urgent claim situations, we always encourage you to call the carrier’s claims department directly to file the claim. We also encourage you to always call our office first when something happens so we can take the necessary steps to ensure you have a great claims experience! Below are a few things we want to look for before filing your claim.

1) We want to make sure that the claim could potentially be covered – that the damage was sudden & accidental caused by a covered peril.   We often run across people wanting to file claims when other people in their neighborhood are getting their roofs replaced, this may not be covered!

2) You want to make sure the claim amount will exceed your deductible, once you call in to the carrier they will record the incident as a loss even if you don’t file a claim. This will ding your insurance record and you may still end up paying out of pocket for the claim.

3) Roof claims are the most common claim in Alabama.  It’s generally best to call a licensed roofer out first for a free inspection and estimate. This can help you avoid making a needless claim if the damage isn’t significant enough to warrant a claim. It is always a good idea to get several quotes. Don’t just sign with the first one you talk to. Call us for some advice on this, we have been through these claims and know what to look for

The above should help you avoid filing needless claims.  We frequently see people’s rates skyrocket because they filed multiple claims that either didn’t pay out, or paid very little.  Even claims that do not pay out can count against you and affect your future rates. ALWAYS CALL US to check if something is covered or claim advice before calling your carrier, that is why we are here!