The roof is a valuable investment for any home. It provides safety and security for your family, defending your home and everything inside from the elements. Your roof deteriorates over time due to constantly being exposed to harsh weather elements such as snow, hail, rain, wind, and UV light. Violent storms can also cause unforeseen damages and expose your property to water damage. Fortunately, your homeowner’s insurance policy can help you cover the cost roof restoration when damage is sudden and triggered by a covered peril. Here are 5 tips for filing a roof damage insurance claim.
1. Know What Your Policy Covers
Before you file for a roof damage claim, go through the particulars of your homeowner’s insurance policy. More often, the terms and conditions of insurance policies vary from one provider to the next. For example, some insurance policies may not offer coverage for repairs on roofs which are older than 10 years. Others will be specific about which perils are covered.
You should also know the window for how soon you need to file your claim – don’t wait too long!
Additionally, know your deductible and decide if it makes sense to file a claim in the first place. A deductible is the amount you’ll pay out of pocket before your policy settles the difference. So, if the cost of repair is less than your deductible, it makes no sense to begin the claim process.
2. Schedule a Roof Inspection
When you discover roof damage after a storm the first step should be to schedule a roof inspection to determine the extent of the damage. Some damage may be visible from ground level, but others will require the input of a professional roofer to unearth. Sometimes your roof may appear intact but still with significant internal damage. This is where an experienced roofing contractor will come in to give an extra set of eyes. Make sure you properly document any damages by taking photos and videos, both for your insurance provider and your roofer.
3. Keep Your Roofer’s Contact Information Handy
You should always keep the name and number of your trusted roofing company handy. Scheduling regular roof maintenance will ensure your roofer knows you and your roof before trouble strikes. Your roofer will also help you put together a well-written explanation of all the needed repairs along with a detailed cost estimate. Some insurance providers will also want to know the specific cause of the damage. Work closely with your roofer to compile all of the documentation, including the pictures of the damage.
4. Work with a Local Roofing Contractor
When choosing a roofing contractor, look for a local and trustworthy partner. You need someone who can be available to work with your insurance company and be on site when the adjuster arrives. More often than not, the claim process can be concluded faster when a licensed roofer works with the insurance adjuster concerning what repairs must be done to restore the integrity of your roof.
You should also have your roof inspected regularly to allow your roofer to determine the dependability of your roof before storms arrive. A trusted local roofer will happily help you make important decisions about roofing repairs or replacements.
5. Choose a Roofing Contractor with Experience on Insurance Claims
When you follow these steps and work with a roofer who is already familiar with your roof, you will easily feel like a pro whenever storm damage occurs. When all goes well, your insurer will release the funds to cover the repair costs, less your deductible. Before choosing a roofing company, ensure that they have the experience repairing roofs through insurance claims. That way, you can be confident you’ll receive maximum reimbursement for your roof’s restoration costs.
In summary, filing a roof damage insurance claim shouldn’t be a nightmare for you. Simply relax, peruse through your homeowner’s insurance policy, have your roof thoroughly inspected, take enough pictures, and contact your insurance company with the help of your roofing contractor. With these five tips, you’re sure not to hit a snag with your insurance claim. If you own a home in Lee’s Summit, MO, Bill West Roofing can help you navigate the tides of filing insurance claims. We understand how stressful it can be for homeowners to carry the burden on their own. Our experienced roofing consultants will walk with your every step of the way to ensure the best possible outcome. Contact us today to learn more about roof damage insurance claims and how we can be of help to you.