Having a significant damage to your roof can be so stressing. The next step is filling a claim to ensure that your policy covers the damages. This process usually requires a lot of follow-ups with insurance adjusters and roofing contractors. In this article, we will focus on steps that you should follow in filing a successive insurance claim.
How to claim roof damage from an insurance company?
1) Inspect your roof immediately after a storm.
The first step to take in case you suspect your roof is damaged is calling a reputable and licensed roofing contractor to come and inspect your roof. Remember, even if your roof looks intact from the outside, there is a possibility that your roof suffered a significant internal damage during the storm that only a trained roofing specialist can identify. Remember to counter check on your insurance policies since it may contain stipulations that detail how long you can wait after the damage has occurred to your roof and still your claim will be successful.
2) Take pictures and document the damage.
After a thorough inspection of the damage, your professional roofer will issue you with pictures of damaged areas and also a written explanation of what needs to be repaired. He will also offer an estimated cost of the repair needed. Ensure you keep these details safe since you will need them when filing your claim.
In case your roof damage is not a major one to warrant an insurance claim, you should work with your roofing contractor in order to repair your roof. On the other hand, if the damage was a major one, then you need to get your homeowner’s insurance company involved. You will need to provide to them a proof of the damage, including measurements, the events of that caused the damage, and dates and times the damage occurred.
3) Notify your insurance company.
In case of a major roof damage, ensure you contact your insurance company immediately after you have accessed the damage. Check on your policy to be sure on what kind of damage it covers and the extent it can cover for. Keep in mind that some policies take into consideration the age of the roof and also the contractor who fixed the roofing material.
Also, note any details that they may offer concerning insurance cover for a roof damage. After you submit your roof insurance claim, your insurance company will send an adjuster to inspect the damaged roof and also to determine the cost that the insurance company will pay out to repair or replace your roof.
4) Select a roofing contractor with insurance expertise.
After your claim is approved, you will be given funds to repair the damaged roof or replace the entire roofing. This means you have to select a reputable roofing contractor, ensure you ask for references from your home policy and make sure you use licensed and insured roofing professionals. This usually secures you in case you are faced with a roof damage in the near future.