Will an Insurance Claim Increase My Premium?

Natural disasters can pose a serious financial threat for homeowners in Maryland, Virginia, and Washington D.C., with snow, wind, ice, and hail storms as some of the biggest causes for concern. When disaster strikes and harsh, East Coast storms wreak havoc on homes throughout the area, owners are often left wondering how to react. Will filing an insurance claim to cover replacement projects for damages inflicted by storms increase premiums or otherwise impact insurance rates?

After decades of experience working with insurance companies and homeowners across the region, you can trust the team at American Custom Contractors when we say that the answer is no. If you suspect that your leaky roof, damaged siding, or broken windows are the result of bad weather conditions, you won’t be subject to inflated charges or be dropped from coverage by your insurance company.

That said, your first move is to find a remodeling company to assess the damage before the insurance company gets involved. With a trustworthy remodeling company like American Custom Contractors acting on your behalf, you can expect to be satisfied with your settlement and the outcome of your renovation.

Choosing a Remodeling Company that will Advocate for You

One of the most important decisions you can make before you file a claim with your insurance company is to choose a responsible, reliable remodeling company that will act on your behalf. The right company will meet with you before the adjuster arrives, offer their expertise and advice on whether to file a claim, and work directly with your insurance company to reach an agreement that reflects your best interests.

Unfortunately, the industry is saturated with incompetent contractors that seek out storm and insurance claims as their sole source of income. These companies are typically not certified by manufacturers and will do the bare minimum to restore your home under your insurance’s guidelines and settlement budget.

For best results, hire a company that will put you first. To evaluate your potential contractors, consider the following:

Company Location: Where are the remodeling company and its employees located? A local company is more likely to provide dedicated, consistent service than a company that’s based somewhere else.
Licensing & Insurance Status: The company you choose should be fully licensed and insured with the proper agencies and able to provide a copy of their credentials for your records.
Background & Experience: Is the company well-established and known in the area for its interior and exterior remodeling work? Make sure to search for the company’s website and any reviews it may have online to get an idea of the quality of the services they provide.
Warranty Coverage: Will the contractor provide a warranty to cover their work and products used? If so, what does the warranty cover and how long does it last?

For Expert Assistance with Your Home Insurance Claims, Contact Us Now!

Since 1972, American Custom Contractors has helped thousands of homeowners settle claims with their insurance companies for damaged siding, roofing, windows, and more. If you’ve experienced unexpected damage to your home and are seeking qualified assistance to file a claim, the experts at American Custom Contractors can help you through the process.

To speak with one of our friendly and helpful representatives about our services or to get more information about filing insurance claims, give us a call now. You can also fill out our online form to have one of our specialists contact you for a free consultation and price estimate.

Choosing a Remodeling Company that will Advocate for You

For best results, hire a company that will put you first. To evaluate your potential contractors, consider the following:

Company Location: Where are the remodeling company and its employees located? A local company is more likely to provide dedicated, consistent service than a company that’s based somewhere else.
Licensing & Insurance Status: The company you choose should be fully licensed and insured with the proper agencies and able to provide a copy of their credentials for your records.
Background & Experience: Is the company well-established and known in the area for its interior and exterior remodeling work? Make sure to search for the company’s website and any reviews it may have online to get an idea of the quality of the services they provide.
Warranty Coverage: Will the contractor provide a warranty to cover their work and products used? If so, what does the warranty cover and how long does it last?