Do you think you need to file a roof insurance claim? Has your roof been damaged due to a recent storm? Does it need to be replaced as soon as possible? Often, when a major storm causes damage to your roof. The most logical approach is to file a claim with your home owner’s insurance company to pay the cost of replacement. Replacing a roof can get expensive if paid out of pocket. Filing a claim to get it repaired is the best route to take.
If you have never experienced substantial damage to your roof or home and need some help filing a claim, then you’re in the right place. Here are the proper steps you need to take to file a claim with your insurance company to make sure the process goes as smooth as possible.
The most reputable roofing companies understand the entire insurance claim process and should offer you a free, no obligation roof inspection. Most storm damage to roofs occurs from wind or hail damage. An experienced roofer can identify the cause of damage and give you an accurate estimate on repairs needed and the cost to complete them.
Always do you homework when choosing a roofer. Some insurance companies may recommend a roofing company, but you are free to choose any company you like. Check reviews from other customers and look into their experience in the local area. Price is not always the most important factor to consider. Choose a roofing company who has a good reputation, combined with experience and trust.
On your roofer’s recommendation, contact your insurance company and tell them you’d like to file a claim. They will walk you through the process and also ask if you have a roofing company you would like to use. This is why it is important to connect with a good roofing company first. You can feel comfortable knowing are working with a company you know and trust.
When you schedule an inspection with the insurance company, be sure to coordinate with your roofer so they can both be present during the inspection. Your roofer can collaborate with the insurance adjuster to find all the damage that will be covered by your policy. This will save you valuable time and hassle that can happen with back and forth phone calls and possible re-inspections.
Replacing a roof is generally a fast turnaround. After your insurance company approves your claim, you will need to call your roofer to schedule your roof placement. Depending on the weather, this should be done within five days of receiving your first check from your insurance company. A complete roof replacement typically takes 1-2 days.
If everything has gone according to plan, you should not have to pay anything out of pocket for your new roof, other than your deductible. The insurance company will provide a detailed scope of loss that your roofer will use as a guide to complete roof repairs. If additional funds are needed for whatever reason, your roofer should be able to negotiate with the insurance company to receive those funds.
Replacing your damaged roof after a storm should not have to be a stressful situation. Work with an experienced and reputable roofing company and coordinate everything with your insurance company from the beginning. If you need an estimate on roof damages, give us a call today.