Tips to Filing a Roof Repair or Replacement Insurance Claim
It’s troubling and stressful to find out that your roof requires repairing or replacing, especially after a storm. Making follow-ups with insurance adjusters, professional roofing contractors, and mortgage companies is quite a daunting task. To successfully handle your insurance claims, here are four important steps you need to follow:
- Find out what your insurance policy covers
For this, you need to contact your insurance provider. Some types of policies may take into account the age of your roof at the time of damage. For instance, if your roof is just a few years old, you may be covered for the full cost of repair or replacement. However, if it is old, its value had probably decreased prior to the damage, and you may only be reimbursed for the depreciated value.
Some policies, however, will only cover the depreciated value of the roof, regardless of its age. Others will cover the full cost of damage at the time of the claim without putting its age into consideration. Therefore, it is quite imperative that you know what your policy covers before anything else.
- Document the damage to your roof
If you fail to document the damage to your roof, you run the risk of having your claims denied. To ease your experience of the claims process, you need to always have a set of well-taken ‘before’ photos of your roof. Update the photos as regularly as possible, especially after maintenance and repairs are done on them.
After the damage, take the ‘after’ photos and document any bills and invoices you may have received as a result of the damage. This information will help ensure a hassle-free claims process.
- Choose an estimator with expertise in insurance
Before any work is done on your damaged roof, you will need to get an estimate of the damage for insurance purposes. For more accurate results, you need to find a professional estimator. The contractor should also help you navigate easily through the insurance claims process of your roof.
At Arnold Investigative Engineering, we are highly skilled and have extensive experience in providing roof estimates for insurance purposes. For top-notch roof estimation services, call us today.
- Find a good roofer to fix the damage
Always look for a reputable roofing company to work on your roof. The roof is a crucial part of your house; it protects you and your family from the adverse weather conditions. That’s why it should be given its much-needed attention. Shoddy work done on your roof will prove to be more expensive in the long run, and your insurance may not cover this damage. So, don’t get ripped off; find a good roofer contractor.
All in all, getting a roof damage covered by your insurance provider can be a lengthy and daunting process. However, by seeking the services of qualified and accredited contractors, like Arnold Investigative Engineering, you can glide through the process as they will ensure that your roof damage claim is properly submitted to your insurance provider and the roof repair or replacements are done correctly and quickly.