If your roof has sustained damage due to a storm or other incident, the process of filing an insurance claim may seem overwhelming. Contacting your insurance company, getting an adjuster to come out and ensuring you get the reimbursement you deserve can be a challenging process. Here are three simple tips we recommend to help make your roof insurance claim process as easy and stress-free as possible.
1. Review Your Insurance Policy
The first step is to review what your insurance policy coverage states about roof damage. Depending on the age of your roof, your policy may only reimburse a depreciated value of a damaged roof. The depreciated value is a number that insurance adjusters determine based on the age and wearing of your roof. A roof less than 10 years old, however, may be eligible for the full cost of repairing or replacing damaged sections. It’s always best to check with your insurance agent on the specifics of your policy. They will likely send out an inspector to your home who will investigate and verify your claim. If the inspector deems that the damage is simply from wear and tear or part of the natural aging process of the roof, the damage will be considered normal maintenance and not covered under the policy.
2. Gather Documentation for Your Claim
The time to act on a claim is actually BEFORE damage happens. Anytime you have any maintenance, repairs or replacement on your roof done, be sure to take plenty of photos. These will become your “Before” photos. Once any damage occurs, take a set of photos. These “After” photos will be a visual record for you to show proof of the problem. You’ll also want to keep any documentation of estimates, invoices and payments regarding repair with your pictures. Having this information readily available will help ensure a smooth process for your claim.
3. Only Choose a Roofing Expert With Insurance Expertise
Once your insurance determines that they will pay a claim, you will have to get an estimate from a professional roofing contractor. The insurance company will generally allow you to choose the roofing company. Choosing the roofing contractor with insurance expertise early on in the process is your best bet. That way, they can help you navigate through the entire roof insurance claim process. An roofing insurance expert will also be able to help ensure that your claim is in good shape for coverage by the insurance company.
These three tips will help you get through the roofing insurance claims process with as little hassle as possible. The most important thing to remember is Don’t Wait! As soon as you suspect that there is damage to your roof, call a qualified roofing company right away for an inspection.
Don’t take on your insurance company alone. Quality Exteriors has been working with homeowners dealing with insurance companies for over 20 years. We take the care of your roof a step further and recommend that we do an inspection and document conditions on a yearly basis. If there is a claim to be filed, we actually call you, the homeowner, and walk you step-by-step through the process. We then gather the information and get an agreement signed that lets us operate as your preferred contractor and negotiate directly with the insurance. Our job is to work with our Clients and the insurance company on all aspects of their home repair needs. Our job and our promise is to protect our Clients and to fight for them to insure they receive the utmost quality repairs during their insurance claim. We’re here to help you when you’re ready.