Storm damage can be overwhelming. Between assessing the destruction and getting repairs started, the last thing you need is confusion around your insurance coverage. Unfortunately, many homeowners fall for common insurance myths that can delay restoration, reduce claim payouts, or even lead to denied coverage.
At New England Building & Restoration, we help homeowners navigate this process every day. Below are some of the most common insurance myths we hear—and the truth behind them.
“If I File a Claim, My Premium Will Automatically Go Up”
This is one of the most common fears that keeps people from filing valid storm damage claims. The reality is that most storm-related claims are considered “no-fault” events, especially when they’re caused by natural disasters like wind, hail, or heavy rain. These aren’t tied to negligence on your part, and insurance companies typically expect claims in such situations.
While your premium may increase slightly based on your region or claim history, avoiding a claim can cost much more in out-of-pocket repairs.
“All Damage Must Be Visible Immediately After the Storm”
Not all storm damage shows up right away. Water can slowly seep in behind walls or under roofing materials. Shingles might appear intact but be loosened or cracked in ways that lead to leaks weeks later. Insurance companies understand this, which is why they usually allow a reasonable time frame for damage to be discovered and reported.
This is why a professional inspection after a storm is so important. We’re trained to spot the damage you can’t see—and document it properly for your claim.
“I Have to Use the Insurance Company’s Contractor”
You are not required to use a contractor chosen or suggested by your insurance company. You have the legal right to choose your own licensed and insured contractor—someone you trust to do the work correctly, safely, and without cutting corners.
At NEBR, we work directly with your insurance adjuster on your behalf, ensuring all covered damage is identified, documented, and included in your claim.
“My Roof Looks Fine, So I Don’t Need to File a Claim”
Just because your roof looks okay from the ground doesn’t mean it’s free from damage. Hail, high winds, and flying debris can cause subtle but serious damage to shingles, flashing, and seals that may not become obvious until weeks or months later.
If you wait too long to file a claim, you could miss your coverage window—most insurance companies only allow claims to be filed within a set period after the storm event.
“Insurance Will Cover Everything No Matter What”
Unfortunately, this isn’t always the case. While storm-related damage is usually covered, most policies have exclusions, limits, and deductibles. For example, certain water damage might not be covered if it’s considered a maintenance issue rather than storm-related. Some policies may exclude older roofs or only cover depreciated value instead of full replacement.
This is why working with a knowledgeable contractor who understands the claims process is so important. We help make sure no damage is missed, and that your claim includes all covered repairs and replacements.
Know the Facts Before You File
Don’t let myths or misinformation keep you from getting the coverage and repairs your home needs. At New England Building & Restoration, we’ve helped countless homeowners successfully navigate insurance claims after storm damage. We handle the inspections, documentation, and communication—so you can focus on getting your home back to normal.
If you’ve recently experienced a storm or suspect damage, contact us today for a free inspection and insurance support consultation. (508)-202-1884