We Can Help you Understand Insurance in Tuscumbia, AL

Jagris Inc is a team with over 20 years of experience that speaks multiple languages to make a stressful experience easier. We understand that roof insurance claims in Florence can be a time-consuming and confusing process, but as a locally and family-owned business, we’re here to help. Everything is done in-house, so you don’t have to jump through hoops or talk to an overwhelming number of people for answers to your questions. We’ll treat you like family by helping you decide when to file a claim and talk you through the entire process.

You know that you should have homeowners’ insurance, but it may be confusing how to use it when the time comes. You may have heard that you’ll lose coverage or a discount for filing a claim, but that’s not true. Below are some tips to help you understand your insurance and when to file a claim.

First, you must understand the policy. Homeowners insurance aims to help you recover after an unexpected loss. They may pay what your old roof was worth or a “replacement cost” for the cost of a new roof. The most common coverages include fire, water, and storm damage. Avoidable situations like leaving a candle unattended or not properly maintaining your plumbing can cause your insurance costs to increase. However, unavoidable instances like hail or wind damage will not penalize you.

You should know how many claims you’ve filed in the past five years. Most homeowners only file one or two claims every ten years. Avoid filing too many claims by not filing a claim for things that aren’t covered or that you can fix on your own.

Another factor to consider is your deductible. If you have a large deductible and the repair costs are less than your deductible, it may not be worth filing a claim. A claim will stay on your record for three years and will make you look like a high-risk customer.

It’s important to review your policy to see if you’re covered for actual cash value (ACV) or replacement cost value (RCV). If you’re only covered for ACV and your roof is 15 to 20 years old, it may not be worth filing a claim. Consider filing a claim if you’re covered for RCV and have a low deductible.

Jagris Inc is the team to call when you need expert help with roof insurance claims in Tuscumbia, AL.