Do I file a claim with my old insurer for damage that happened before my new policy began?

I recently switched home insurance companies. There was a hailstorm that caused some damage to my roof just before my new policy came into effect. Does this mean I need to make a claim with my old insurance company?

Savannah Grabek · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s correct. You would claim that loss with the company that was covering you at the time that the loss occurred.
Typically, insurance companies do not like to start a new policy while there is an open claim because there is damage to the home. It would be a good idea to contact your new insurance company and let them know that there was a loss. When you start a new insurance policy, they will typically send an inspector to the property to take a look at the home. If they see that there is damage, they could cancel the new policy.
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