Navigating insurance claims after wind damage can be complicated: What should you do?

After damaging winds battered the Finger Lakes region and other parts of New York, many homeowners are facing the dilemma of whether to file insurance claims for wind damage. The storm, which saw wind speeds reaching over 70 mph in the Finger Lakes, caused widespread damage, including power outages and flooding.

Legal experts advise caution when filing claims for minor wind damage. Homeowners who have made multiple claims in recent years might face complications, such as increased premiums or even the loss of coverage. They say that while occasional storms might not affect insurance rates significantly, larger claims or repeated filings could lead to surcharges or higher premiums.

For homeowners contemplating filing a claim, Foley recommends evaluating the extent of the damage. Minor repairs might be manageable without involving insurance, but substantial or unclear damage should prompt a claim. It’s important to file within 30 days, document the damage thoroughly, and maintain clear communication with insurance agents. This careful approach can help homeowners navigate the aftermath of windstorms while considering their insurance options.