Filing A Claim For Roof Damage

If you don t see much damage aren t sure what you re looking for or don t want to get on your roof have a good roofing contractor perform a free inspection.

Filing a claim for roof damage. Filing a homeowners insurance claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. Inspect the damaged areas as best as you can while remaining safe. To a home insurance company the roof is the most important part of your house. It s the gateway to far greater damage claims once it s damaged.

Experiencing significant damage to your roof and your insurance roof replacement questions are undoubtedly a stressful time between navigating the insurance claim process follow ups with adjusters and roofers who specialize in the types of roofing claims you are dealing with and even the loss of business that may result from not being to. Filing a roof damage insurance claim. Navigating the process of filing a claim can vary slightly by insurance company but generally the steps include. If you have damage to your roof filing a claim may have an impact on your policy.

In more than 90 percent of hail or high wind claims there is a payout relative to the roof cover according to the insurance institute for business and home safety. Filing a claim may have an impact on your policy so you should be very sure. Filing a roof replacement insurance claim. Instead your roofing company will get the damaged areas tarped and secured to protect your home and your wallet.

On the other hand your public adjuster is your own advocate and is on your side. They want you to get the highest possible payout that you deserve. File a claim with your homeowner s insurance within 30 days. If you have roof damage that needs repairing you have to file a claim with your homeowners insurance company.

To combat this many home insurers have implemented different coverage levels. Be sure to take as many pictures as you can of the roof damage. When filing an insurance claim it is important to have evidence that the damage you are claiming is new. Be observant and take careful notes.

However before you do call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option. However you should not do so right away. Home insurance companies in past years have been walloped by numerous and expensive roof claims. Wind and hail damage.

You can also hire an independent insurance adjuster not a public adjuster see mistake 5. Write down detailed descriptions of the damage and its location on your roof to include with your claim. Most states require a homeowner to make a claim within 30 60 days. If your roof has recently been damaged it is important to file a claim with your insurance company right away.