Read that before filing your claim!
Fixing a damaged roof is an urgent task that a homeowner should take care of as soon as they discover the problem. A damaged roof can cause many problems to the house if not fixed immediately. Handling the insurance claims process requires one to follow up with insurance adjusters, roofing contractors, and at times mortgage firms. To make sure you handle the insurance claim process the right way, Roofing Ranger advises you follow the following steps.
Check for Damages Especially after Harsh weather
If you suspect your roof might be damaged after a storm contact an insured and certified roofing contractor like Roofing Ranger to check it out. Never try to inspect it yourself, very dangerous task for those who don't know how to walk on the roof. Even though your roof may seem fine on the outside, there could be serious damaged on the interior that only an expert can be able to identify. Some insurance policies detail how long you have to wait after your roof has been damaged and the extent the damage is covered under your insurance policy. After harsh weather such as storm or high rainfall, always make it a point to have your roof inspected. Most of the insurance policies has one year window when you can file the claim after the date of loss.
Document details and take pictures of the damage
Experienced roofers know where to check for damages and are thorough in documenting the impact of the damages. They will take pictures of damaged areas and include a written explanation of what needs to be repaired and the expected costs. At times, your damaged roof may not qualify for insurance. In this case, you will need your homeowner’s insurance company and you will be required to provide proof of damage, what caused the damages, as well as the date and times the damage took place.
If you want to successfully claim insurance, learn how to take periodic photos of your roof, especially when the maintenance is complete. Make sure your pictures are clear and well named with date and time. If you can, take several shots from different angles to clearly show your entire roof and the state of the shingles. With all this information, you will be able have a convincing argument.
Call your Insurance Company and find out what your policy covers
If you are dealing with extensive roof damages, you need to call your insurance company immediately. If you postpone or prolong getting in touch with the company can get in your way of submitting your claim. Ensure you have the current policy of the house to review it and find out what limitations may arise when reporting damage as well as which types of roof damage are not covered. For instance, if your roof is more than a decade old, your insurance firm may only cover small part of the roof placement cost. Once you submit a roof insurance claim, an insurance adjuster will come to inspect the damaged areas and determine the cost that the insurance company intends to pay to replace or repair your roof. But make sure you have a trusted contractor before the adjuster appointment, because the insurance adjusters are not always on your side.
Pick a Roofing contractor with insurance knowledge
If your roof insurance claim is covered under your homeowner’s policy, you will receive money to repair the damage. When selecting a qualified contractor, remember to ask for references and only use certified and insured roofing companies. When it comes to roofing contractor companies, not every company provides insurance claim assistance. Roofing Ranger is here to assist you every step of the way during your roof damage claim. We will explain you the whole process in every small detail, discuss the scope and the estimate, plan the repairs, offer upgrade options and work with your insurance company to sooth the process for the homeowner.