That’s a smart move with the photos. I’ve run into a similar issue—insurance adjusters really do look for any pre-existing damage to deny claims, and it’s tough to argue without proof. One thing I’d add: document repairs too, not just storm aftermath. When I replaced a few shingles myself last year, I kept receipts and before/after pics. It’s tedious, but it helped me prove what was new damage versus old wear when another storm rolled through. Insurance seems to expect homeowners to keep pretty detailed records these days... kind of a hassle, but it pays off.
That’s a good point about keeping repair records. I’ve always wondered—do most insurance companies actually accept photos and receipts from DIY repairs, or do they push back if it’s not done by a licensed contractor? I’ve only ever hired pros, but it’d be nice to save some cash if possible.
I’ve actually done a couple DIY repairs after storms and kept all my receipts and before/after pics. My insurer didn’t give me a hard time, but I’ve heard some companies insist on licensed contractors for major stuff. It probably depends on the size of the claim and your policy wording. Just be aware that if the repair isn’t up to code, they might use that as a reason to deny future claims on the same area. It’s a bit of a gamble, but for small fixes, I’ve found it’s worth the savings.
I get the appeal of DIY repairs, especially for smaller stuff, but I’d be careful about assuming it’s always “worth the savings.” Like you said,
That’s the part that makes me nervous. I tried patching a section of siding after a hailstorm last year—kept receipts and photos too—but when I called my insurer just to check, they told me any structural or exterior work technically needed a licensed pro for coverage to stick. Maybe it varies by company or state?“if the repair isn’t up to code, they might use that as a reason to deny future claims on the same area.”
I’d suggest double-checking your policy wording before doing anything major yourself. Sometimes what looks like a “small fix” (like a few missing shingles) can turn into bigger issues if water gets in and you don’t have documentation from a contractor. For me, I ended up paying more later because my patch job didn’t hold up through the next storm. Lesson learned: sometimes saving money upfront isn’t worth the risk if it means your coverage could be in question down the line.
“if the repair isn’t up to code, they might use that as a reason to deny future claims on the same area.”
That’s the part that always trips me up. I mean, I love a good weekend project—give me a caulk gun and a YouTube video and I’m dangerous—but insurance fine print is a whole different beast. I patched a gutter myself last fall (looked pretty pro, if I say so), but when I called my agent just to double-check, she basically said, “Nice try, but unless you’re licensed, it doesn’t count for coverage.” Not exactly the confidence boost I was hoping for.
I get wanting to save money, but it’s wild how something as simple as a few missing shingles can turn into a paperwork nightmare. And yeah, policies seem to vary a ton. My neighbor swears his insurance is chill with DIY as long as he keeps receipts and photos, but mine’s super strict. Maybe it’s a state thing? Or maybe just luck of the draw.
Anyway, I still do small stuff myself, but anything that could let water in or mess with the structure, I just bite the bullet and call a pro. Learned that lesson after my “quick fix” turned into a soggy living room...
