When it comes to roof storm damage, homeowners need to be aware of their rights and responsibilities when filing a claim. Filing an insurance claim can be a long process involving multiple parties and require some patience from the homeowner. This guide will help you feel more prepared if you go through the insurance claim process after a storm.
What to Expect During the Claim Process
When you decide to file a claim, an insurance adjuster will be assigned to investigate the damage and determine if there is coverage. They may want to inspect the roof in person or need photos of the damage. This process can sometimes be time-consuming as they look into different aspects, such as whether previous repairs have been made and verifying that no significant changes to your home have been made since starting your policy.
Once all information has been collected, the insurance adjuster will either approve or deny your claim. You can also usually appeal their decision if necessary. Make sure you keep track of documents like estimates, correspondence with contractors, and photos of the damage throughout this entire process.
Tips for Filing a Successful Claim
Filing a successful claim for roof storm damage can help take some of the financial burdens off homeowners. Here are four tips to remember:
Understand Your Insurance Policy. Before you begin the process, read and understand your policy so you know what’s covered for your roof. This makes it easier for the adjuster to approve or deny your claim since all parties involved clearly understand coverage before starting.
Conduct a Professional Inspection. Roofing professionals can give detailed assessments of what needs to be fixed that could be overlooked by non-professionals or not reported accurately to your insurer.
Take Photos of the Damage. Documenting any damages with photos is a great way to supplement any reports needed during this process and also helps support your case should there ever be an appeal later on.
Tell the Truth to the Insurance Adjuster. Do not exaggerate any forms of damage or try to make them appear worse than they really are. Otherwise, you may be less likely to get approved for certain repairs down the line.
Work With a Trustworthy Roofing Contractor
Choosing a trustworthy roofing contractor is always a good idea when having your roof repaired after a storm. Be sure they have considerable years of experience, positive reviews, and the proper licenses and insurance. The contractor you select can also provide an independent estimate that helps further support your case when submitting the claim to the insurance company.
If you are looking for a professional Owens Corning Platinum Preferred Contractor to help work through the claims process with insurance companies, contact Bone Dry Roofing! Call us today at 941-343-5622 for an estimate. You can also fill out our convenient online form to get started.