Severe weather, whether in the form of hail, wind, or even heavy rain, can cause damage to your roof. When that happens, you may need to file a roof damage insurance claim to have it replaced.
But for many people, the roof replacement insurance claim process is confusing and complicated. Let us clarify it for you, so that if you ever need to make a claim, you’ll be well prepared.
Assessing the Damage
The first thing to do if you suspect your roof has been damaged is to get it checked out. You can start by doing a quick, ground-level inspection yourself, looking for shingles that have blown off the roof, or other clear signs of damage.
Even if the damage isn’t obvious, that doesn’t mean it’s not there. That’s when you’ll want to call in a professional.
Most good roofing contractors, including us at Covenant Roofing & Construction, offer free inspections. Just be sure their inspection mimics what insurance companies look for in their assessments.
In our inspections, we look for hail impacts, lifted and creased tabs, and missing shingles to determine if an insurance claim is warranted or not.
Calling in the Roof Insurance Claim
If there is cause for a claim, that’s where things can get confusing and the expertise of your roofing contractor is important.
The next step is calling in the roof replacement insurance claim. A knowledgeable contractor will be able to coach you through this step, helping you make sure you have all the necessary information.
The insurance company will then schedule an adjuster to look at your roof, and your contractor should be there, too.
When we meet with insurance adjusters, we are there to represent the homeowner. We speak the insurance “language,” and can point out the damage we saw in our initial inspection.
Completing the Work
In the next step, the adjuster submits the claim for approval for repair and/or replacement. This can include the full roof replacement, siding, windows and even interior repair, depending on the extent of the damage.
After that (and usually a short waiting period), the insurance company will provide an estimate for the job, and the contractor should do the work for that exact amount. No more, no less.
This is an important point, because it helps avoid fraud. Beware of contractors who offer “no deductible” roof replacements, because this could leave you vulnerable to insurance fraud.
Once the insurance company provides the estimate, the contractor writes a contract and completes the work as specified in the estimate. Your contractor will then provide a Certificate of Completion that is sent to the insurance company to pay the final claim amount.
The most important thing to remember is to ask questions. The roof damage insurance claim process is confusing if you don’t have to deal with it every day. Your contractor should be able to answer any questions you have and guide you through the process.
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