Thursday, March 19th, 2015 by Jerry Sprague
Winter has really hit Boston hard this year. It's no surprise at all to learn that many homeowners are filing insurance claims for ice and storm damage for the first time ever. The process can be confusing and frustrating, especially if you're living with wet ceilings and walls in the meantime. We've assembled some tips for claiming ice damage through your insurance company that have helped other homeowners get their ice dam insurance claims paid.
Before you submit a claim for ice dams in Boston, review your homeowner's policy for coverage exclusions and limitations. This will help you understand what is claimable and what is not. If you play by the insurer's rules, you'll get in their good graces and stand a better chance of getting your claims paid.Most policies will cover the cost of remediating and repairing damage to the structure of the home, unless there is a specific policy exclusion. Commonly covered damages include:
Most policies will not cover:
You may have added special coverage when you took out your homeowner's insurance policy in which case, personal property damages may be covered. That's why it's important to review your policy coverage and limitations before trying to make a claim.
If you have noticed damage to the inside or outside of your home due to ice dams, the first thing you should do is take steps to protect your home from further damage. This can include snow and ice dam removal as well as moving personal belongings away from interior leaks. After that is taken care of:
If you have ice dams in Boston or need help negotiating ice dam insurance claims, contact GF Sprague for help. We can conduct inspections, make temporary or permanent repairs, remove snow and ice, and even negotiate with your insurance company on your behalf. Our goal is to get your property back in shape as soon as possible.Don't be surprised by a lengthy and demanding claims process. But if you persevere and do things right, you can get some insurance money to help you pay for the damages caused by ice dams.Contact GF Sprague to set up a free, no obligation inspection of the damage. We are available 24/7/365 for those emergency situations.