An Essential Guide to Filing an Insurance Claim for Roofing
If a roof has experienced storm damage, a homeowner should consider filing an insurance claim if it is covered by the home insurance policy to ensure prompt repair or replacement.
Every homeowner wants their roof to remain in optimal condition. Unfortunately, storms and other natural disasters can damage the roof extensively. If a roof has experienced storm damage, a homeowner should consider filing an insurance claim if it is covered by the home insurance policy to ensure prompt repair or replacement.
A roof insurance claim can help a homeowner get compensated, and they can use the amount to cover the roof repair or replacement cost with minimal or no out-of-pocket expenses. However, an average homeowner, who has never done it before, may feel overwhelmed or make mistakes, resulting in delays or claim denial.
Here is a simple guide to help homeowners file a roofing insurance claim successfully:
Call a local roofing company
The first step to filing an insurance claim is to contact a local roofer to assess the damage. A roofing contractor can inspect the roof thoroughly to determine the type and extent of damage and potential issues with the roof to provide a detailed report with possible repair or replacement solutions and estimated costs. After evaluating the roof, the contractor can advise if the homeowner should file an insurance claim.
Document all details
The next critical step is to record the damage and document everything to help validate the claim. The more information and evidence the homeowner gives the insurance provider, the more streamlined the claim process will be. Take photos and videos of all the damaged areas. The homeowners can also attach the recent roof maintenance records or if there are images of the roof before the damage occurred.
Review the insurance policy
Another thing to do before filing the claim is to check the insurance policy for all the relevant information to understand the type of damages covered under it. The claim process is usually lengthy and confusing, so knowing what the policy covers will help save valuable time. If the damages suffered by the roof are covered, compare the estimated cost provided by the roofer to the deductibles. Only file a claim with the insurance company if the damage exceeds the deductible.
Contact the insurance company
The next step is to call the insurance provider to understand the procedure or any specific requirements while filing a claim to prevent wasting time. Some policies may demand the homeowner to notify the insurance company within a definite time after the damage.
File the claim
Fill out the claim form provided by the insurance company with all the necessary information, evidence, and documents. Attach receipt of damaged heavy furniture pieces or the hotels the family is forced to live in due to extensive damages.
Meet the insurance adjuster
The insurance company then sends an insurance adjuster over to the property at a scheduled time to inspect and assess the roof damage on its behalf. The homeowner can also invite the roofer to be present and do everything necessary to help maximize the claim.
Schedule roofing services
Once the insurance company approves the claim, contact a trusted roofing company immediately to schedule the necessary repairs or replacement.
Keep the roof in prime condition
Use this guide for a smooth and stress-free insurance claim filing process. Some reputable roofing companies can also help deal with the insurance company and meet the insurance adjuster.
Irish Roofing Company provides Scottsdale with roof inspection, installation, sealing and repair. We offer shingle services, tile roof services, flat roof services, roof cleaning,roof inspection, roof installation, leak repair, roof recovering, roof repair, roof sealing, skylight installation and replacement, and wood shake services for commercial and residential customers.
