Filing a roofing insurance claim isn’t as easy as it seems. And, not doing it correctly can damage your chances of it getting paid. To help you navigate the process, we’ve shared a few general tips in this guide.
Go Through Your Insurance Policy
Make sure you go through your insurance policy again. Even if you’re already quite familiar with the extent of your coverage, there might be a few crucial details you’ve overlooked or forgotten. If you have any questions or concerns about your policy, don’t hesitate to contact your insurer.
Document Storm Roof Damage
As soon as the weather has cleared, the first thing you need to do is document the signs of storm damage. Make sure to take pictures as you’ll need to submit these when you file a claim.
It’s important that you file a claim as soon as possible. The longer you wait, the higher the risk the roof damage affects other parts of your home – not to mention there’s usually a window period for filing insurance claims. That’s because standard insurance policies usually only cover the initial storm damage, not damage stemming from any negligence on the part of the homeowner, which includes failure to take the necessary steps to mitigate the storm roof damage or neglecting to routinely maintain your roof.
Meet With the Adjuster
Once you’ve submitted the necessary documents, your insurer might send an insurance adjuster who’ll determine your insurance payout for roof repairs or a roof replacement. A lot of homeowners feel intimidated by the adjuster, but this shouldn’t stop you from raising any concerns you may have. Remember: you shouldn’t sign any paperwork if you haven’t clarified all of your concerns with the adjuster or your contractor.
Having trouble filing an insurance claim? Consult a trusted contractor – some contractors offer insurance claims processing assistance.
Cypress Roofing, the recipient of The Kerrville Daily Times’ Readers’ Choice award, offers a wide range of professional roofing services, including insurance claims processing and roof repair services. To request a quote, call us at (830) 955-5075.