How a Roofing Maintenance Program Can Save Your Insurance Claim
April 26, 2016Chicago ConstructionCommercial ConstructionLenox Hill ConstructionRepairs0
A well-documented roofing maintenance program can help reduce insurance costs and minimize the chances that your insurance company will deny a claim.
The Importance of Maintaining Commercial Roofs
The International Building Code sets safety standards for commercial buildings. They require roofs to protect the building, and as a building owner, the easiest way to achieve that is through quality design, along with the proper materials selection and installation when a building is built or remodeled.
An additional way to accomplish this goal is through an annual or bi-annual program of inspection, maintenance and repair. These activities can prolong the overall useful life of your roof and ensure it protects your business from damage.
How Maintenance Can Protect Insurance Claims
When a loss occurs, many insurance companies look for ways to limit coverage or partially deny benefits. After a loss, the insurance company will send an inspector to determine if the damage meets their standards for a claim. Insurance companies will often search for reasons not to insure, such as poor installation, shoddy materials or obvious maintenance issues.
Routine inspection, maintenance and repair, including cleaning gutters; repairing leaks and flashing; and removing abandoned HVAC equipment can reduce the opportunities that insurance companies cite as reasons not to pay a claim. Managing these issues up front, and carefully documenting them, can reduce your chances that claims will be denied or reduced.
Reducing risk can also assist in reducing insurance costs. Similar to safe driving procedures or installing in-home smoke detectors, sharing your regular maintenance plan with an insurance company can often lead to an offer of a reduction in premiums or deductibles.
If your maintenance program turns up issues in need of repair, contact us at hub@lenoxhill.us, or call 800-580-6499 ext. 7, to learn more about our facility maintenance and repair program. We are a single-source solution for building maintenance issues, from foundations to roofs, and our team would be glad to speak with you regarding our experience and how our team can manage every detail in the process from start to finish.
