A properly installed roof should keep your home safe for many years. On the other hand, a severe storm can change everything in a single night.
If a storm or hail has damaged your roof, it is essential that you make an insurance claim and get your roof repaired as soon as possible.
Claims can be complicated, and if done incorrectly, you could find yourself waiting a long time for a settlement. It is essential to act quickly once the damage has occurred to speed up your claim.
Keep the following steps in mind when you are ready to file a roof insurance claim.
Assess your roof damage
To begin, roof assessment is important to know the extent of the damage.
You should hire a local roofing company to do it for you. The contractor may provide you with a full report detailing everything wrong with your roof and what needs to be done, depending on their services. Some contractors even have certified public adjusters on your behalf who will speak with your insurance company on your behalf. To learn more about what your roofing company has to offer, give them a call.
Find out what your insurance covers
Before filing a claim, you must first understand your insurance plan’s rights.
Check your insurance policy files to see if your contract includes cover for roof damage. Take note of any additional relevant data, such as the covered types of damage.
Document your roof damage
After identifying what is wrong with your roof, you will need to provide your insurance company with certain documents to support your claim—photos of all of the damage. Make a complete report of everything that’s been damaged, as well as what will most likely need to be done to fix the roof. Include the time and date of the storm that caused the damage. Finally, note any internal damage that occurred due to roof damage.
If you have photos of your roof from before the damage, you can send those to the insurer as well, as they will show that the current damage is recent. As a rule of thumb, you should maintain exterior photos of your house.
Get in touch with your insurer
To learn how to file a claim, you should contact your insurance agent as soon as possible. Depending on your policy, it may be necessary to notify your insurance provider within a certain time frame after the damage has occurred.
Find out your insurer’s procedures for roof repairs and replacements when you talk with your agent.
Find a roofing company
You will now need to meet with a roofing company.
If your roof needs to be replaced entirely, make sure they indicate in their report that this is the situation and that basic repairs are not a possible solution.
The insurance company will not approve any repairs until a professional roofer has assessed the damage and prepared an estimate. You can usually choose which roofing company you wish to work with, and most of them will be able to assist you with your insurance claim. Using a contractor who has dealt with insurance claims before will speed up the process. They will work with the insurance company on your behalf.
It is important to speak with an experienced roofing company as soon as possible. The sooner they can inspect the damage to your roof, the faster they can begin and complete the claim process. Furthermore, by having the damage assessed as quickly as possible,
File your claim
Fill out the claim form given by your insurer with the assistance of your insurance agent. Make sure you include all of the information and information your provider will need to accept your claim.
Include copies of all receipts for damaged interiors, as well as an estimate of how much it will cost to repair the interior if it has been damaged.
If the damage is severe enough that your family will have to stay in a hotel while repairs are being made, you must include this cost.
Meet with an insurance adjuster
An insurance adjuster will need to assess the damage to your home to validate your claim. If possible, have the contractor you have selected present when the adjuster arrives so they can talk about your repair needs together.
Replace your roof
It is time to contact your preferred roofing company once your claim has been approved and the settlement quote is sufficient to repair the damage properly.
Dealing with insurance claims, talking with adjusters, and ensuring that all insured damages are reimbursed is a difficult task. Many homeowners are unsure how to make a claim, where the process can be difficult, what types of documentation they will need, or what to expect.
You will need to get an estimate from a professional roofing contractor before you can get work done on your roof that will be covered by insurance. In most cases, you are free to use any roofing company you like. However, your roofing contractor should be able to guide you through the process of filing a roof insurance claim. Look for roofers that have a lot of experience estimating roofs for insurance claims and helping clients through the process of getting their roofs repaired or replaced by their insurance company.