How to File a Roof Insurance Claim

Many homeowners easily get stressed every time they discover that there’s a significant damage to their roof. Because this scenario only means one thing, they need to get in touch will someone to assist them in terms of the process of insurance claim which require ample times of follow-ups with roofing contractors, insurance adjusters, and the mortgage company.

And to make sure that you will be able to handle the said insurance claim from beginning to end, this article offers information as to how you can handle the process of claiming insurance in just three steps.

1. After a storm, immediately check the roof damages incurred.

If you think that you have a damaged roof, why not contact a licensed and reputable roofing contractor to visit and inspect your roof. Take note that even if your roof looks good from the outside, it is also possible that there is a significant internal damage that only a roofing specialist can identify.

In terms of insurance policy, you should check the stipulated rule that states the duration of your waiting time after the damage happened to your roof and wherein you are still covered under the policy of the insurance company. Once the storm has passed and it is already safe to notify your agent, have your roof inspected.

2. Document the scenario related to the damage by taking pictures.

A well-experienced roof inspector will easily identify the related damages. He will thoroughly verify the damages incurred and how extensive it is.

You will then receive their captured images with a written explanation of what needs to be repaired and its related estimation. In some instances, when the roof damage happened does not fall under a major category that is subject for an insurance claim, the roofing contractor you have selected can only work with you on planning how to repair the damaged roof. There are also cases wherein you will need to get your homeowner’s insurance firm involved. You will provide them with the proof of damages such as the event(s) that caused the damage, when it happened (date and time), and its measurements.

Therefore, it is better to document the case by taking periodic images of your roof, particularly once the maintenance has been done. Doing so will help you claim more compelling argument because of the related visual proof that you can show your insurance company.

3. Notify your insurance firm and find out what your policy covers.

For extensive roof damage cases, get in touch with your insurance company as soon as possible. Don’t wait too long especially if you have no idea as to the covered period of the claim, file it immediately. It is best to always have with you the updated insurance policy of your homeowner’s insurance so you can review it and see what types of roof damage are and not included and what statute of limitations may be in place for reporting damage. 

Once your roof insurance claim is submitted, someone from the insurance company will visit you, an insurance adjuster in particular, to inspect the damaged parts of the roof and identify the expenses that the firm will have to shoulder to repair and replace your roof.