5 Facts You Should Know About Insurance Claims
Discovering storm related damage to your roof is devastating for most homeowners. Juggling the insurance company, the mortgage lender, and the roofing contractor requires several phone calls, meetings, and follow-ups. And do we need to remind you about the paperwork?
The storm damage experts at Longview, TX, Inc., have helped hundreds of homeowners with storm and hail damage through the years. Below are our bedrock recommendations to help you make the transition from roof destruction to roof restoration run smoother.
Look for Damage Immediately After a Storm
If you suspect your roof is damaged, contact a reputable and licensed Longview residential roofing contractor to inspect your roof as soon as possible. Keep in mind that even if your roof looks intact from the outside, there could be significant internal damage that only a trained roofing specialist can identify. The reason you want a contractor to arrive at the scene first is so that you have credibility and leverage when going over the roof with an insurance adjuster.
Document! Document! Document!
An experienced roofer will know where to look for damage and will be thorough in documenting the damage and how extensive it is. They will often take pictures of damaged areas and submit to you a written explanation of what needs to be repaired and the estimated cost to repair. In some cases, you may have roof damage that is not significant enough to justify a claim.
It is always wise to take pictures of your roof, especially after repairs have been completed. Be sure the images are clear and well labeled with the date and time. If possible take several pictures from various angles to accurately show the entirety of your roof and the state of your shingles.
Get The Details About Your Insurance Policy
To save yourself the shock of being surprised by your insurance policy, find out what it covers ASAP. Being Knowing before a storm hits can help you either adjust your insurance coverage or take other precautionary measures.
When dealing with extensive roof damage, be sure to contact your insurance company immediately. Always have a current policy of your homeowner’s insurance handy to review what types of roof damage are covered and are not covered. Keep in mind that some homeowner’s policies have additional guidelines detailing the amount of damage that will be covered and under what conditions.
When you submit your roof insurance claim, an insurance adjuster will be sent to inspect the damaged areas and determine the cost that the insurance company will pay out to repair or replace your roof.
Hiring The Right Residential Roofing Contractor
When hiring a residential roofing company, ask for references and only use licensed and insured roofing professionals who are certified in roof repair. It is okay to ask for multiple estimates to replace your roof. This protects you from paying more than you should for materials and labor. Not every roofing contractor will provide insurance claim assistance while others may have insurance adjusters on staff to help you with every detail of your roof damage claim.
Beware of Contingency Contracts
Most roofing contractors will provide a free roof inspection and a free roof replacement estimate. However, watch out for contingency contracts that may commit you to a contractor without even knowing it. By mistakenly signing one of these contracts you agree to give the job to that roofing company if your insurance claim is approved. When you are getting quotes from different companies, you should not have to sign anything.
Getting roof damage covered by your insurance company can be a tedious and lengthy process. By partnering with a certified and well-known roofing contractor, they can work with you to make sure your roof damage is submitted correctly to your insurance company and the roof replacement is done quickly and accurately.