So, you only just bought and installed your roof a few months ago and are living quite happily in your home, only to have the roof destroyed by a storm or tree. What can be more unfortunate?
The good news is you can file an insurance claim to have your roof repaired as soon as possible.
However, you must have roof insurance or a clause within your homeowner’s insurance to that effect. That you’re reading this article shows you do, so let’s get on with it.
8 steps to file an insurance claim for your roof
1. Assess the damage
The first step to filing an insurance claim for your roof is to assess the damage. Climb up to your roof to find out the extent of the damage. Take as many pictures as you can. It’s advisable to seek qualified roof inspectors to do an expert assessment for you so that nothing is left out. The contractor can give you detailed information about what’s wrong with your roof, potential issues that may result from the disaster, and what repairs are required.
Some roof inspectors even have certified public adjusters who will liaise on your behalf with the insurance company about your claim.
2. Determine what coverage the insurance provides
It’s worth noting that roof insurance does not cover every kind of damage. Before filing a claim, know what your insurance specifically covers so you understand your rights within the insurance plan.
For example, leaks due to bad shingles will likely not be covered. So you may have to repair such leaks yourself even when a storm destroys some other part of the roof. Knowing your rights and limitations will give you a level of confidence while filing your claim.
3. Document the damage
In addition to the pictures you took, you’d need to have written documentation as well. This document’s content should specify that there has been some damage and when it occurred. Ensure your photos have time and date stamps.
4. Call the insurance company
After documenting the damage either DIY or with the help of a roof inspector, call your insurance provider as soon as possible. Most insurance policies have a time limit to file your claim after the incident, so you want to ensure you don’t go later.
Ask the insurance provider what the next steps are regarding the roof repairs or replacement as the case may be.
5. Contact a local roofing company
Have a qualified roof inspector near you assess your roof to determine the cost of repair or replacement. Ensure they indicate that a significant repair or replacement is required.
6. File the claim
Now that you have all the required information, file your claim with the insurance agent’s help. Include information and the cost of all damages incurred, including whether you are forced to stay elsewhere until the property is fixed.
7. Expect an insurance adjuster
Even though you’ve had an insurance adjuster, your insurance provider will need to send theirs to have their report as well. It’s advisable to have your contractor present while the insurance adjuster gets to work, so you all can be on the same page.
8. Repair/replace your roof
You may need to wait a bit for the insurance company to legally approve your insurance. Once you get that, it’s time to call the roofing contractor of your choice to get the job done.
To get the most out of your insurance claim, it’s important to have accurate documentation of the damage and estimated cost of repairs. It’s always an advantage to have an experienced roofing contractor on your side.