Many homeowners find it difficult to file a claim for roof damage as getting reimbursed for some damages can be an overwhelming process. However, there are some specific steps you can take to simplify the entire process and successfully handle your insurance claim for roof damage from start to finish. Here is what you need to know about insurance claims for roof damage
When to file a claim for roof damage
Many homeowners are unsure whether the damage on their roof is worth the cost, and even worse, the entire process of filing a claim. A small leak or damage can surprisingly be worth thousands of dollars in repairs.
In order to know if you need to file a claim for roof damage, it is recommended that you hire a qualified roofing contractor to careful inspect your roof. A roofing contractor will come up with an estimate cost of the damage. It is only recommended to file a claim if the cost of repair exceeds your deductible.
The process of filing a claim for roof damage
Once you establish that the damage is worth making a claim, it is recommended that you follow these four steps
1. Comprehensively document the damage on your roof
A comprehensive documentation of the damage is critical when it comes to filling a claim for roof damage. You should take pictures of the damaged roof, record the time when storm or any other cause of destruction occurred as well as coming up with a written statement detailing what exactly happened.
When you hire an experienced roofer to inspect your roof always ask for pictures and a written report detailing the damage. You should attach the roofer’s report alongside your claim so as to provide more proof of damage.
Just before you make your submission you might want to review your insurance policy just to ascertain that the claims are covered.
2. Contact your insurance provider as soon as possible
It is important to contact your insurance provider as soon as possible as it might not be possible to file a claim if you overstay with the assessment report. Once you submit the claim for roof damage, your company will send an insurance adjuster to assess the damage and establish the cost of replacing or repairing your roof.
It is advisable to have your experienced roofer on the site when the insurance adjuster is inspecting your home. Having your experienced roofer on the site is important as it would lessen the chances of the adjuster filing inaccurate report.