You’ve heard it before, but we’ll say it again – your home is one of your greatest assets. That being said, the roof of your house is the most important features of your home. If you’ve experienced a recent storm in your area or are experiencing a pesky roof leak, it is worthwhile to check for an insurance claim opportunity to repair or replace your roof. The insurance claim paperwork, adjuster meetings, and evaluation of a local roofing company process may seem overwhelming but with the knowledge (and a good roofing contractor by your side), filing a roof replacement insurance claim will be worthwhile for you and your home.
Your first instinct when you hear “file a roof replacement insurance claim” may be to turn around and run away, but the roofing experts here at Signature Exteriors have provided a few tips and tricks to make the home insurance claim process less stressful for you.
Although most insurance companies recommend you find a certified, local roofing contractor after the claim has been filed – we recommend that you find one beforehand. Looking for roofing contractors with extensive experience in filing roof claims will give you an upper-hand through the entire claim process. Not only can your roofing contractor assist with pre-adjuster meeting inspections and documentation, they’ll likely be familiar with your insurance company and their requirements and expectations too! Additionally, finding a roofing contractor beforehand will allow them to join for the adjuster meeting to make sure that everything has been accounted for.
Your roofing contractor can be an excellent source for questions, knowledge, and support.
BEFORE YOU FILE A ROOF INSURANCE CLAIM:
#1: Find Out What Your Policy Covers
The easiest way to find out what your home insurance policy covers is to contact your insurance provider. Carriers and policies aren’t all the same and it’s important to understand what your policy will cover and what it will not. For example, some home insurance policies take the age of your roof into consideration at the time it is damaged and may only cover up to the depreciated value of the roof. Other policies may cover the full cost of roof repair or replacement at the time of the damage regardless of the age.
#2: Schedule a Professional Roof Inspection
Before you file your roof replacement claim, if you haven’t done so already, schedule a professional roof inspection with a local roofing contractor that has experience in filing insurance claims.
Why? – A knowledgeable roofing contractor will be able to perform a storm-damage inspection to give you insight on the potential, coverable, damage on your roofing system. A qualified local roofing contractor will also provide you with photos of this inspection to use as documentation and reference during your claim process. This gives you the opportunity to go into the initial stages of claim filing with an expectation of what you will need covered.
WHEN YOU FILE A ROOF INSURANCE CLAIM:
#1: Provide Documentation for Your Claim
We cannot emphasize this enough, providing adequate documentation for your claim process will help your entire process, from filing to completion. This documentation should include “before” photos of your roof and exterior (your local roofing contractor can provide these), any estimates, invoices, or bills of roof repairs, and photos of any damage you see since the recent storm or event.
#2: Write Down Your Adjuster’s Information
If you aren’t familiar with roofing insurance adjusters, their job is to inspect property damage to determine how much the insurance company should pay for the loss. Once you begin the home insurance claim filing process, your insurance company will assign an adjuster to inspect your home for the reported damages. Adjusters are the people that give an overview to your insurance company so it’s important that you meet them, write down their contact information, and provide that to your roofing contractor so they can discuss your claim with them.
If possible, have your local roofing contractor join the adjuster for their inspection so they can ensure everything is being accounted for in the adjuster’s reports.
#3: Review Your Claim Estimate
Before starting your work, request that your roofer review the insurance estimate for any inaccuracies. Adjusters often use a program to assign coverage values for your area and type of damage – inaccurate measurements, misunderstandings, or even just mis-keying this information can cause your estimate to be lower than what you’re entitled to. Although most insurance companies try to make this as easy as possible, it can still be overwhelming if you’re unfamiliar with the terms or required repairs. Your roofing contractor will be a great source of expertise and advice here.
If needed, your roofing contractor can file a supplemental with your insurance company that demonstrates why specific material or specific work is needed to restore your home to its pre-loss condition. The insurance experts at Signature Exteriors are happy to walk you through this process.
The tips we provided above will really help your roof insurance claim process go a bit smoother, all while ensuring you’re getting the repairs and coverage you need. Ideally, a partnership between you, your adjuster, and your contractor will yield you the best results. If you have any questions about this process or if you believe your home has recently been subjected to storm damage, give Signature Exteriors a call today. We will perform a no-charge inspection and assist with all of your claim filing needs.