Any roof damage might have a wide range of causes, from leaking to unusual noises, weather damage, electricals, snowfall and pests. You must be aware of the potential causes if you want to avoid costly roofing repairs and keep your family and belongings secure.
It’s crucial to check your roof and the surrounding property for damage as soon as possible because insurance policies frequently have statutes of limitations that limit how long after an occurrence you have to file a claim.
Be sure to know what your home insurance can cover when it comes to certain types of roof damage. Managing roof insurance claims may be tricky, so having an expert roofing contractor on your side could end up saving you a lot of money.
Steps On Filing An Insurance Claim
1. Find A Good Roofing Contractor
Asking your neighbors or the Homeowners Association (HOA) for recommendations before hiring a roofer is the first step. You should look up and read reviews for roofing contractors as well as the state’s standards and directories.
2. Get Your Roof Inspected
The roof inspector will be looking for leaks, unusual wear and tear, damage from wind-blown debris, problems with organic growth, and potential issues that may have arisen during the installation or any subsequent repairs. He will be documenting the inspection in order to “build a case” for proper repairs of your roof.
3. Make Temporary Fixes, Then Start Filing The Claim
Ask your contractor for a temporary fix just to safeguard your home while you are processing the filing of the insurance claim.
4. Schedule Visit By An Insurance Adjuster
To assess the damage that was done and estimate how much money your insurance provider would be willing to pay for repairs.
5. Take Notes And Ask Questions
This makes it easier and quicker for you and the insurance provider to convey specifics regarding your claim.
6. Understand All The Details Of The Job
Your contractor will work with the insurance company to ensure that everyone is aware of the extent of work after the adjuster has inspected your property and the insurance company has approved any necessary roof work.
7. Insurance Repair Estimate
A roofing repair estimate, including the amount required for repair, will be issued by the insurance company. The contractor will then start with the necessary repair.
8. Payments And Expenses
Payment is usually done after the work is completed. Any additional supplemental payable for the job they accomplished on your behalf will be invoiced by the roofing contractor to your insurer.
The insurance coverage should reflect the desire of both your insurance provider and your roofing contractor for your new roof to be of the highest possible quality. The last thing the insurance provider wants to do is settle another claim the next time a severe weather event occurs. The same is true of your trustworthy roofing contractor, who guarantees to back up their job.