How to deal with a roofing insurance claim is often one of the first questions homeowners have after a natural disaster hits. Hurricanes, tornadoes, hail, and rainstorms are all common causes of roof damage. Insurance helps you minimize out of pocket costs when repairing your roof.
If you’re wondering how to deal with a roofing insurance claim, here’s what to know:
1. Start by Having Your Roof Inspected
In any storm, some homes will get by without a scratch. However, it’s best to have a professional assess the situation even if you don’t notice roof leaks or other obvious issues. A roofer licensed, insured, and bonded to work in your area should perform a complete inspection.
2. Review Written Damage Assessment
When it comes to how to deal with a roofing insurance claim successfully, documentation is very important. A trusted roofer should provide the information you need in writing. That includes the nature of the damage, the estimated cost for repair, and a projected timeline for the project.
3. Speak to an Insurance Adjuster
Even once you have a written estimate for your work, an insurance adjuster needs to personally verify the damages. He or she will examine the roof as well as the details of any estimate. Each insurance firm has different procedures, so some questions will have to go to your adjuster.
4. Verify Claim Approval
Although claim approval is accelerated after a major storm, it can still take some time. In most cases, you’ll get written notice of approval and a check covering about half the estimated cost of repairs. If you have a mortgage, the mortgage company will need to approve the roofing contract.
5. Have Repairs Done
Your roofer will have a specified amount of time to complete repairs based on the rules of the insurance company. Once the job is done, the roofer will submit an invoice to the insurer stating a final cost. The insurer will then issue a check covering the remaining roofing costs.
Completing a roofing insurance claim might seem like a challenge. However, it’s easier when you choose a reliable local roofer. Experienced roofers help ensure you get the funds you need from your policy and do so on an accelerated timeline. Only the work of a fully qualified roofer can be covered by insurance, so it’s crucial to select an established brand.
To find out more, contact us today.