Insurance Claims – South Haven, MI

Insurance Claims - South Haven, MI 1

When storms, hail, or unexpected damage strike, commercial property owners in South Haven, MI often turn to their insurance policies for help covering roof repair or replacement costs. While roof insurance claims can be a financial lifesaver, they can also become a frustrating maze if not handled properly.

At Empire Contractors, we have worked alongside countless building owners during the claims process and seen firsthand how small missteps can result in major delays, or even outright denials. Before you file, read on to learn the top five mistakes commercial property owners make when filing roof insurance claims, and how to avoid them.

If you are dealing with roof damage in South Haven, do not wait; call Empire Contractors at (231) 861-7221 for guidance and expert support.

Common Mistakes When Filing Roof Insurance Claims

Waiting Too Long

Time matters. Most commercial property insurance policies include strict deadlines for reporting roof damage. Waiting weeks, or even months, after a storm could put your claim at risk, especially if further damage occurs in the meantime.

Why This Happens:

  • Business owners may not realize damage occurred during the event.
  • They delay, hoping repairs won’t be necessary or that damage is minimal.

What to Do Instead:

Insurance Claims - South Haven, MI 2

Always schedule a professional roof inspection immediately after a major weather event in South Haven, MI. Getting documentation early can give you the evidence needed to support your claim while it is still valid under your policy’s timeframe.

Failing to Document the Damage

One of the most common and costly mistakes is a lack of proper documentation. Without clear evidence, insurance adjusters may underestimate or even deny your claim.

What to Document:

  • Wide-angle and close-up photos of all damage
  • Photos of surrounding undamaged areas for contrast
  • Interior damage (like leaks, water stains, or insulation issues)
  • Videos showing the condition before and after storms (if available)

A qualified roofing contractor can create a detailed inspection report that aligns with what adjusters expect, ensuring your claim is well-supported.

Assuming the Insurance Adjuster Is Always Correct

While most insurance adjusters are professionals trying to do their job, they may miss certain issues, especially those that are hidden, subtle, or roof specific. Commercial roofs often feature complex systems like HVAC units, walkways, and membranes that require expert evaluation.

Common Oversights:

  • Failing to spot moisture under membrane layers
  • Overlooking code upgrades required for commercial structures
  • Ignoring rooftop equipment damage

Your Best Move:

Hire a contractor who understands insurance claims. At Empire Contractors, we often meet adjusters on-site to make sure all roof damage is properly documented. You are allowed to have representation during this process; take advantage of that.

Choosing Price Over Quality

When an insurance check arrives, it is tempting to save money by going with the lowest bid. But cutting corners here can backfire badly, especially with flat or low-slope commercial roofs that require precise application.

Risks of Going Cheap:

  • Incomplete repairs that void warranties
  • Low-grade materials that fail within a few years
  • No support with warranty or insurance disputes later on

Tip:

Choose a roofing contractor experienced with insurance-backed repairs, particularly for commercial buildings in Michigan. They’ll follow the right processes and help you avoid additional out-of-pocket costs down the road.

Not Understanding the Policy Details

Too many commercial property owners file insurance claims without fully understanding their insurance coverage. Some policies have exclusions, high deductibles, or only cover certain types of damage.

Key Questions to Ask Your Insurer:

  • Is this a replacement cost or actual cash value policy?
  • What exclusions apply to storm or water damage?
  • Are code upgrades included under the policy?

Partner with a contractor like Empire Contractors who can review your policy alongside your repair estimate, so you know where you stand before agreeing to anything.

Specialists in Insurance Claims

Filing roof insurance claims doesn’t have to be a hassle, but it does require preparation, documentation, and support. If you avoid these common mistakes, you will have a much better chance of getting the full compensation you deserve.

If you are a commercial property owner in South Haven, MI, dealing with storm damage, leaks, or roof deterioration, do not go it alone. Call Empire Contractors at (231) 861-7221 for expert help navigating your roof insurance claim from start to finish.

FAQ

How long do I have to file roof insurance claims after a storm in South Haven, MI?

Most policies allow between 30–60 days, but it varies. Always check your policy and file as soon as possible to avoid delays or denial.

Will filing a roof claim increase my insurance premium?

Not necessarily. Premium increases depend on your insurer, claim history, and regional weather risks. Always consult your agent before filing.

What if my claim is denied?

You can dispute a denial by providing further documentation or requesting a second inspection. A qualified contractor can assist with appeal steps.