A lot of homeowners find themselves in a predicament when they get to the point where their roof needs repair done or replaced. Things like processing the insurance claim, communicating with adjusters to make sure they get reimbursed for the damage covered, etc. is not something every homeowner looks forward to doing. Filing an insurance claim can be a challenge from the perspective of a lot of homeowners. These are just a few of the questions that are asked – How is the claim process started? What documentation is required? What can I expect during or after the claim is processed? or they might be concerned that they might encounter problems during the claim process.
Roofing claims are reviewed very carefully by insurance companies that handle the claim. A home insurance company is aware that your roof is the most important component of your home and once it gets damaged they can expect to see even more damage claims being filed and processed.
When filing a roofing insurance claim, here are some key components:
Insurance Policy Coverage:
Plain and simple, find out what is covered and what isn’t covered by your insurance policy. Contacting your insurance provider is one way to quickly and easily determine what your policy covers . Otherwise consult the documentation that came with your insurance policy for more details. Ask questions and have them clarify certain technical aspects of your policy to minimize any confusion that could cause disputes down the line.
Supporting documents for your claim:
To ensure you will receive a proper settlement and compensation when you file your claim, keep records of maintenance and repair work that have been done on your roof. It would also be helpful if you could include before and after pictures of your roof and the exterior of your property to help visually document the extent of the damage. Make copies of documents like receipts, invoices, bills and estimates for your records and because you will be including them when you file your claim.
A contractor experienced and knowledgeable in handling Insurance Claims:
Do your research and look for roofing contractors that have extensive experience in giving estimates for insurance claims as well as helping their clients through the process of getting their insurance company to cover the cost of replacement or repair work done on the roof. In most scenarios you should be able to work with the roofing contractor or company of your choice especially if they employ Certified Public Adjusters who will communicate with your insurance company on your behalf.
If you suspect that your roof is damaged, find out the severity of the damage as soon as you are able to. By doing this, you can speed up the process of getting the repair or replacement covered by insurance as well as avoiding any additional damage that could potentially not be covered by your home insurance policy.