How does a roof damage insurance claim work?
Naturally, the claims process will vary from carrier to carrier. However, it is important to keep in mind that your insurance company may at first attempt to deny your claim in order to maintain as much profitability as possible. Your best defense whenever this happens is persistence and a thorough understanding of your insurance policy. Here are a few tips on what to do to prepare to make your claim.
- Start by assessing all of the damage done by the storm. Take careful notes, including the date of the incident and any damage that you can see. You can also take pictures of any damage.
- Meet with your local roofing contractor to begin obtaining estimates. Ask them to help you deal with the insurance adjuster when they come out to perform a full roof inspection. We highly recommend that you select a roofing contractor and have them present during the inspection to be sure that the adjuster sees everything that needs to be repaired or replaced.
- Don’t take no for an answer. If your home has been damaged by a storm in any way, it can lead to decreased value and future damage if not repaired quickly. Insist on meeting with another adjuster.
- Once your claim has been approved, the contractor of your choice can begin repairing the damage.
Although the entire process can be intimidating and the number of steps involved makes it seem rather complicated, filing an insurance claim is a fairly easy process. With a high quality roofing contractor, you can have both the claims process and the repairs completed in no time.
Here are some tips to help you with getting the repairs done:
- Always hire a high quality roofing contractor that has experience dealing with insurance companies, not the cheapest one that you can find.
- Although most policies give you up to two years to file a claim, know what your policy provides and don’t wait! The sooner you file the claim, the faster you can get the damage repaired.
- Understand your policy as thoroughly as possible.
- Avoid fly-by-night contractors.
- Roof storm damage claims should not increase your rates.
Often roof storm damage is not noticeable by partnering with a reputable roofing contractor who understands the issues is a benefit. If you do have storm damage, let your roofing contractor guide you through the insurance claim process, including negotiating the correct scope of work required to fix the damage the right way the first time.