Should You Call A Roofing Company Before you File a claim with your Insurance company?

Insurance companies subscribe to a service called C.L.U.E. (Comprehensive Loss
Underwriting Exchange). This is a claims history database that allows insurance companies to
see  the historical consumer claims information. This national database clearinghouse tracks
homeowner insurance claim histories and gives individuals a score, much like a credit score. The
claims you file, including roof inspections will most likely be part of you CLUE score. At renewal time, your current insurer will review your claims history as well as your current CLUE score to set your premiums, and may cancel you if your score is too low. If you decide to shop for new insurance, the other companies have access to your claims history through your CLUE report. Your claim history follows you just like a
credit score, so even if you buy a new house and move, your past claim history follows you.
Also, information is tracked about specific properties. If a property is identified as having hail
damage from the storm 5 years ago, (yes, storm history is also tracked), and then a new claim is
later filed for the damage, your insurance company will know the property claim history.

Because filing a claim or requesting a roof inspection with your insurance can adversely affect
your CLUE score, you should not do this until you’re sure it’s a good idea.. The best plan is to call
a reputable Roofing company and have them do an honest inspection of your roof before you
call your insurance company. We at DFW Best Roofing advise the homeowner to proceed with the claim only when we are 100% that it has hail or wind damage that it really does need it to be claimed.  Also, in the very very rare instances where the claim is not accepted you need a company that tries not to let your claim to be part of your record.

Need insurance claim advice call us at 817 381 6855, also visit our mainsite at www.dfwbestroofing.com