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Insurance Claims

There is an $85 up front charge (paid by credit card) for all itemized insurance related estimates.

Should you elect to hire Nombach to make the repairs, the $85 fee will be credited to you.

Why? Insurance companies require a detailed/itemized estimate from your contractor to compare what they will cover. This estimate takes a lot more time to produce than a standard estimate would and the $85 fee is given to the estimator for the extra time and effort put into this.

Before you file your claim, know what’s covered and what’s not!

Important Facts About Homeowners Insurance Claims

  • Most homeowner’s insurance companies will drop a homeowner who files to many claims within a certain time frame. Typically, insurance companies will accept one claim every 10 years without it having a negative effect. Unfortunately though, some homeowner’s premiums may more than double just for filing one claim. Therefore, before you file, make sure you have done your homework and that you have a case. Also, to avoid being dropped by your insurance, try to make claims on larger projects. Smaller claims may not even meet your deductible but will count against you if you do file.
  • Most homeowner insurance policies will provide coverage for damage caused by unpreventable situations such as vandalism or fire, disastrous “acts of God” such as hurricanes, tornadoes, wind, rain, and hail.
  • However, homeowner insurance policies do not cover for normal wear and tear caused by old age or defective materials. In fact, most homeowner insurance policies will depreciate the value of the items you claim based on their age. For example, if your roof is under 10 years old, you may be covered for the full cost of repairing or replacing the damaged section of your roof at the time of the claim. If your roof is over 10 years old, you may only be reimbursed for the depreciated value of the damaged roof.

* This information is provided for your convenience; it is not intended as insurance advice. The views, opinions, and advice expressed in this article are solely those of the author. Please consult your insurance carrier or agent for information regarding your policy or coverage.

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