How Do You File a Roof Insurance Claim?
Dealing with a broken roof due to hail or windstorm damage can be a stressful experience for homeowners. This is especially true to those who live in areas that are prone to severe weather or natural disasters.
If a natural hazard has hit your area, you need to have your roof checked by a professional to look for signs of damage.
Know that even the slightest signs of wear require immediate intervention to save you time and money. A seemingly minor damage worsens over time and this can affect the interior of your home and cost you a new roof.
This article will guide you on what needs to be done to file a roof insurance claim. Read on.
1. Check if your homeowner insurance provider offers coverage for roof damage.
Although most policies cover roofing damage, you still have to ask what’s covered and what’s not. The coverage of your roof may vary per your insurance provider’s policies. Some policies provide full or partial coverage depending on the age of your roof while some don’t.
After reporting the incident to your insurance company, they may assign a claims adjuster to personally inspect your roof and confirm the details of your report.
2. Take pictures of damaged parts of your roof for evidence.
Make sure to document any evidence of potential damage.
Even if a claims adjuster will be conducting an inspection of your roof, any photos or videos you provide will help verify the claims adjuster’s own findings and ease the process of getting your claim approved.
Take note that normal wear and tear is not covered under your policy that’s why you need to provide your own documentation. If there are pieces of evidence of storm damage in your unit such as water stains on your ceiling, note them as well.
3. Decide which roofing contractor you would like to work with.
In most cases, you are free to choose the roofing company to repair or replace your roof. It’s important to check the company’s track record. Look for the ones that have an established reputation.
Make sure that you hire licensed contractors. Ask for personal recommendations and look for online reviews. You can contact the Better Business Bureau for assistance.
It would be best to choose contractors who are willing to help you in the process of obtaining insurance coverage for your roof repair. The roofing contractor and claims adjuster can meet to share notes of the damage. Your quotes must be approved before starting any repair work.
4. Wait for the approval of your insurance.
Wait for your insurance to tell you that your claim has been approved. Once approved, your contractor can start to repair or replace your damaged roof.
Ideally, you should not have any out-of-pocket expenses except for the insurance deductible and if the insurance didn’t provide you full coverage.
If your insurance was denied, you may want to appeal or dispute the denial of your insurance claim.
Do not assume that your roof is free of any damage in cases of natural calamities. Have your roof inspected and repaired as soon as possible to preserve the integrity of your home and spare you from bigger issues.