Heres How 5 Different Insurance Claims Process – Insurance Claim Process


Different types of claims in insurance such as the insurance coverage for roof damage when the roof has been damaged. There are often two possible sources of this damage such as weather conditions or faulty construction. An adjuster from an insurance company examines the house to determine if there is any damage caused by weather or other causes. Imagine that water has leaked into your house from the outside force. In that case, repairs will be covered by your homeowner’s insurance plan under the accidental and sudden provision that covers damage caused by unpredictable events. It is a common claim with rain, snow or hail-related incidents.

If there is the absence of evidence of water intrusion from the exterior, then these claims are deemed as being due to inadequate quality construction and. This is complicated because of two factors. The first is that the home owner is not likely to have encountered any or other issues due to the infiltration of water. Additionally, the insulation must be correctly installed and sealed using proper components.

If either one of these is true and damage has occurred due to weather conditions or getting older, the insurance company will not be held accountable as long as preventative steps were implemented. An adjuster will still have go through your home and verify that all prevention measures are in place.

The most popular method to determine which of these two parties might be held accountable is to use infrared technology that a lot of insurance companies use to assess sustained damage. Remote analysis allows the outside company or contractor to conduct a remote assessment to determine if water is leaking into your insulation. The results prove that your insulation is properly sealed.

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