Insurance makes roof repair or replacement possible after a storm. Even if you are capable of paying for a new roof, insurance still gives you peace of mind that you don’t have to shoulder all that cash in one go.
After a strong storm damages your roof, you want to have that roof repaired as soon as possible so you can get back to your normal life just as quickly. If you know how to navigate the insurance claims process, you can quickly get the money you’re owed. However, insurance claims can be confusing and tedious, particularly if you’re still trying to come to terms with the damage the storm has left for you to deal with.
Here are some pointers that may prove helpful if you need to make an insurance claim for roof installation or repair after a severe weather event.
Document the Damage
Resist the temptation to clean your home and its surroundings after the storm. Instead of reaching for that mop, get your phone and start taking pictures of the damage. It’s also helpful to film the damage with a camera or a smartphone.
Don’t put the destroyed items in the trash just yet. Save them for the insurer to inspect. Get a notebook and a pen and list down what’s damaged, lost, or destroyed.
Take some steps to prevent further destruction. For example, you can cover that hole in your roof with a tarp or a piece of thick plastic. Of course, if your roofing contractor offers the service, you can call them to do it in the middle of a storm. If it’s safe enough, they can apply the temporary solution to prevent water from causing further damage to your home.
You can also board up broken windows. This is meant to prevent accidents and more water intrusion in case it rains again. Some insurers would cover the cost of temporary repairs, as well.
At this time, you should already have your copy of the insurance policy, warranties, and other pertinent documents safely stored in a waterproof box or plastic. You will need them if you want a roof installation or repair as soon as possible.
When an area is hit by a storm, it’s common to see “contractors” and other “specialists” driving around, offering to repair and replace damaged roofs and others. They also ask for payment outright for the whole cost of the project. These are scam artists and their real intention is to take as much money as they can from hapless homeowners and then you’ll never see them again nor will your home get a good repair, if any at all.
To avoid getting scammed, always work with your local roofing contractor, someone you can trust, or someone you or a friend has worked with in the past.
Start Your Insurance Claim
Get in touch with your insurer as soon as possible, as they may have a time requirement for receiving claims. Keep your documents handy. Some insurance companies send out a response team to areas affected by a storm. The response team can help you file your claim.
Your list of lost or damaged items is important at this point, as you make a claim with your home insurance provider. If your car is damaged, even if it’s in your garage, that’s your auto insurer’s responsibility. Make a claim with them, as well.
Meet the Claims Adjuster
When your insurer receives your report of damage to your home, they will send a claims adjuster to investigate and assess the damage. You should not pay for this service, but any related fees you might have to shoulder. The adjuster will do the inspection with you.
After the inspection, the adjuster will make a thorough report. You should provide them your list, pictures, and other important information. Some insurers would issue an emergency advance, so that might be the first check you receive. The rest of the money may come later.
In case you have a mortgage, the insurer might pay you and the mortgage company. The mortgage lender may deposit that in an escrow account then pay for the repairs when those are done.
Hero Roofing is here to help you with roof repair and replacement. We can also assist you in the insurance claims process. Call us at (833) 321-4376 or fill out this form to schedule your free inspection and estimate.