Roof Repair Insurance Claims
Finding out a roof must be replaced or repaired can be a huge hassle for a homeowner. Insurance claims! Having to talk with adjusters, making sure you are reimbursed for all covered damages, and a lack of knowledge on how to file a claim, can make this a daunting process.
When you submit a claim, the homeowner insurance company will review your claim very carefully. They will expect that you will provide them with proper documentation. This can be a problem if you don’t know what type of documentation they need or expect.
Find Out What Your Policy Covers
Your insurance provider can tell you what is covered or what is not. Start there with a phone call. Policies are different, so finding out what is covered is important when it comes to repairing or replacing a damaged roof. Some policies take the age of the roof into account and only cover a portion of the cost to replace it due to depreciation which will be determined by wear and age.
The insurance company will send an inspector to your home to investigate and verify your claim.
Some policies cover the full cost of repairing or replacing regardless of age, others only offer roof damage coverage up to the depreciated value. If the inspector feels the damage is from aging or normal wear and tear, or the poor condition of the roof, the roof may not be covered at all.
Providing Documentation for Your Claim
Always take before pictures of your roof and exterior. Keep the photos updated whenever any work is done. That way when damage occurs, you can take after pictures of the damaged roof to compare and prove loss. Keep all estimates, bills, or invoices you receive. Having all this information will help a smooth and hassle free claim.
Only Choose a Contractor with Insurance Expertise
You will need an estimate for the roof repair of your damage before you can get the work done when submitting a claim. This estimate should come from a licensed roofing contractor to avoid delays. In most cases the insurance company will allow you to choose your roofing contractor, but choose one that is willing to assist you in navigating the insurance claim process. Look for contractors that have extensive experience in providing roof estimates for insurance claims. They will know the ins and outs of getting your roof the best quality products at the least out of pocket expense to you.
Important! If you suspect your roof has been damaged, don’t wait to get your roof inspected. Most reputable roofing contractors offer inspection services at no cost. As soon as possible, find out the extent of any damage. This will speed the claim process along and help avoid further damage that may not be covered down the road.