Filing A Claim For Roof Damage

Filing a roof replacement insurance claim.

Filing a claim for roof damage. You can also hire an independent insurance adjuster not a public adjuster see mistake 5. Filing a roof damage insurance claim. Home insurance companies in past years have been walloped by numerous and expensive roof claims. If you have roof damage that needs repairing you have to file a claim with your homeowners insurance company.

Once this is done the roof should be ok until repairs can be made. Navigating the process of filing a claim can vary slightly by insurance company but generally the steps include. File a claim with your homeowner s insurance within 30 days. However before you do call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option.

Instead your roofing company will get the damaged areas tarped and secured to protect your home and your wallet. Most states require a homeowner to make a claim within 30 60 days. 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. Inspect the damaged areas as best as you can while remaining safe.

However you should not do so right away. 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. When filing an insurance claim it is important to have evidence that the damage you are claiming is new. If you find yourself in the position of having damage to your roof your first thought might be to file a claim with your insurance company.

Be sure to take as many pictures as you can of the roof damage. If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have. Write down detailed descriptions of the damage and its location on your roof to include with your claim. On the other hand your public adjuster is your own advocate and is on your side.

If your roof has recently been damaged it is important to file a claim with your insurance company right away. Be observant and take careful notes. Filing a claim may have an impact on your policy so you should be very sure. Wind and hail damage.

To a home insurance company the roof is the most important part of your house. 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. If you have damage to your roof filing a claim may have an impact on your policy. It s the gateway to far greater damage claims once it s damaged.