Proving Your Commercial Roof & Facade Property Damage Claim 

In the realm of commercial roofing insurance claims, a fundamental concept reigns—the burden of proving the loss often falls on the shoulders of the insured, not the insurance company. The implications significantly impact the outcome of a roofing claim, making it essential for property owners to navigate this process with precision and diligence. 

At its core, the burden of proof generally places the responsibility on the insured party to substantiate the occurrence and extent of the loss claimed under the insurance policy. In the context of commercial roofing claims, this means providing compelling evidence to support that damage or loss has occurred due to covered hazards, such as water, wind, hail, fire, etc. 

Consider the following key points for effectively managing roofing insurance claims:

Pre-Storm Condition Assessment to Substantiate Burden of Proof: Conduct thorough assessments of your roof’s condition, ideally before any damage occurs, with the assistance of qualified professionals. This step is crucial for determining the potential extent of future damage and its connection to covered perils. Performing a pre-storm assessment as part of preparing for potential insurance claims, ultimately safeguards your interests.

Property owners are advised to consult with their insurance provider regarding proactive measures and baseline documentation necessary to facilitate the claims process. StormGuard Roof Assessment™ serves as a pre-damage record; compliance with insurance conditions remains the responsibility of the insured party.

Proactive Documentation: Take advantage of proactive solutions like our StormGuard Roof Assessment™ or other third-party documentation services that offer a baseline condition assessment, serving as a reference for insurance adjusters. This enables insurance adjusters to differentiate between pre-existing issues and storm-related damage, thereby streamlining the claims process. By reducing claim processing time and ensuring fair claim outcomes, these measures can give you significant benefits.

Post-Storm Documentation: Meticulously document any roof damage encountered, including detailed records and photographs. This documentation serves as crucial evidence to substantiate insurance claims. Promptly report any loss to the insurance company and follow claim submission deadlines to avoid jeopardizing your claim.

To Sum it Up 

In the realm of commercial roofing insurance claims, the burden of proof serves as a basic concept and underscores the importance of substantiating loss claims with compelling evidence.  

By embracing the concept of assuming the burden of proof and taking proactive steps to fulfill their evidentiary obligations, property owners can better navigate the claims process, safeguard their interests, and help get a fair resolution.  

Commercial roof owners should discuss with their insurance company the proactive steps and baseline documentation they should maintain to streamline the claims process.