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A few days ago, one big branch of neighbor's tree broke due to weight of icy snow, part of tree branch definitely hit some portion of my roof(I heard the sound) before falling to ground, but major weight of tree branch did not hit my roof (so I guess it did not cause big damage on my roof, if there is any damage). When the branch fell on the ground and it also brought down power line/cable line.
The snow on roof has not melted yet, and I cannot go up to the roof and check until a few days later. One more snow tonight.
I am not sure if I should let homeowner insurance company know if there is no visible damage or damage is small (small enough to under insurance deductible amount). I am concerned if it damaged too much beyond what I know (I am not professional to make judgement on possible invisible damage, such damage roof wood structure), but at the meanwhile I failed to file claim now.
The reason I don't want to let insurance company know: if there is not much visible damage, I can just let it go, if insurance company knows it (determine no damage this time, but know the tree may cause future damage), it may affect my insurance premium.
If there's attic space where the limb hit- go check.
If there are no visible/noticeable signs of damage, then check the exterior after the snow has melted.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
44,551 posts, read 81,085,957 times
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Quote:
Originally Posted by K'ledgeBldr
If there's attic space where the limb hit- go check.
If there are no visible/noticeable signs of damage, then check the exterior after the snow has melted.
Then you should know which way to proceed.
I agree, if no sign of damage coming down thru then it could just be a simple replacement of a few shingles.
We had that happen once and it came thru a skylight, but we just paid for it ourselves rather than bother with the insurance. Our premium was high enough already. Since our state banned the discount for good credit score and it went up by 16%, with no claims in 27 years.
Also note that most likely your insurance has a clause stating you must make an effort to ensure no further damage can occur - ie hold in roof, cover it so weather doesn't get into the house.
If you notify your insurance company, they will open a file for it. Even if you never file a claim it can come back to bite you in the a$$ down the road. This happened to me years ago. It was listed as a "zero dollar claim", and caused me to be denied coverage from a different company when I wanted to change my carrier.
Check the underside of the roof in your attic and keep an eye out for leaks as the snow melts.
If you notify your insurance company, they will open a file for it. Even if you never file a claim it can come back to bite you in the a$$ down the road. This happened to me years ago. It was listed as a "zero dollar claim", and caused me to be denied coverage from a different company when I wanted to change my carrier.
Check the underside of the roof in your attic and keep an eye out for leaks as the snow melts.
This is false. You had an open claim because it was not closed. I deal with this all day, an idiot advised you and it was the blind leading the blind.
If you notify your insurance company, they will open a file for it. Even if you never file a claim it can come back to bite you in the a$$ down the road. This happened to me years ago. It was listed as a "zero dollar claim", and caused me to be denied coverage from a different company when I wanted to change my carrier.
Check the underside of the roof in your attic and keep an eye out for leaks as the snow melts.
Sing it! Some liar on the phone told me that they wouldn't open a file. There was no claim and I still got a slight ding.
This is false. You had an open claim because it was not closed. I deal with this all day, an idiot advised you and it was the blind leading the blind.
It's not false. Facts are real, even if you don't like them. I fought this battle for several years before it timed out of my records.
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