Snow Blizzards, Snow Storms, Ice Storms, leaving icicles may look nice after the storm if its Christmas time. It is not a pleasant experience when you discover an ice dam that damages your home, business, or property. Understand your insurance policy and discussing your coverage with your insurance agent is always a good first step but then its time to hire a Public Adjuster to complete an insurance claim home inspection and allow you to evaluate your options and the potential value of your claim before you open an insurance claim.
Take an inventory of damaged items. Many homeowners or commercial insurance policies cover damage caused by ice dams. There are certain items that are typically covered:
- Shingle Damage
- Siding Damage
- Water Damage Inside the Structure of your business or home
- Roof Damage (Including Soffits, Fascia, Gutters)
- Damage To Insulation In Walls and In Your Attic
- Mold Damage
An Ice Dam claim as any insurance claim will normally require you to do your duty to mitigate the loss. You will need a professional contractor to complete this emergency service that should be covered in your policy as an incurred cost that you should be reimbursed for as long as it exceeds your deductible. Ice Dams are common in cold climate states such as:
- New York
- New Hamshire
- Rhode Island
- North Dakota
- South Dakota
- New Hampshire
- New Jersey
Other states of course have the potential for the cold weather capable of causing an ice dam. We recommend no matter what state you live in if you have a possible ice dam claim you call a Public Insurance Adjuster.
Then its time to hire an Experienced Public Adjuster who will advocate for you and detail the loss estimate and guide you through the process from start to finish. With Ethics and Integrity, a Public Adjusters job is to keep your for-profit insurance company honest and to make sure you are paid fairly.
Call Experienced Public Adjusters Today For A Free Claim Evaluation and Free Onsite Inspection Of Your Ice Dam Damage.