Your Insurance Options for Problems with Roofing
Filing Your Insurance Claim
Severe weather conditions like hail, wind, and driving rain are certainly not uncommon. Usually our homes will escape without suffering any significant damage, but unfortunately that’s not always the case.
If your roof has been damaged during a severe weather event, it’s likely you’ll be faced with filing an insurance claim. When that’s the case, the insurance experts in roofing are always available to help guide you through the process.
The following information covers the basic steps that will be necessary to file your claim and ensure that your home is returned to its original condition in a timely manner.
When Faced With Roof Replacement, Don’t Wait
If you believe that your roofing has been damaged during a recent storm, we encourage you to address the problem as quickly as possible.
Contrary to what many homeowners might think, filing a claim will NOT result in increased insurance premiums, and typically all insurance companies will cover the entire cost of a complete roof replacement, less the deductible.
Schedule A Professional Roof Inspection
To begin with, homeowners are encouraged to schedule a thorough inspection, performed by a company that does professional roofing, in order to accurately assess the overall condition of their roof. If there is any question whether or not a claim should be filed, an experienced roofer will be able to make that determination.
This initial inspection process will help to completely document the damage and will serve to expedite the claims process once the insurance company is contacted.
Contacting The Insurance Provider
With a professional roof inspection in hand, homeowners should contact their insurance provider’s claims department to begin the claims process. This will be an opportunity to advise the provider that a professional inspection has been completed, and a qualified roofer is aware of the damage and understands what will be involved in the repair or replacement project.
Meeting With The Adjuster
Once the initial claim has been filed, an insurance adjuster will schedule a convenient time to visit the property and conduct an inspection on behalf of the provider.
Since adjusters have very busy schedules and might be inspecting a number of damaged homes in the immediate area, it’s important to have a professional roofer on-site during this inspection. This will offer the homeowner peace of mind that no damage will be overlooked.
Finalizing The Claim
Once a storm damaged roof has been approved for replacement, the insurance company will provide a detailed summary of the damages, the repair and replacement costs that will be covered under the policy, and the associated payment for the entire project.
It’s important that residents understand their homeowner’s insurance policy and how their provider will handle a storm related roof replacement.
Elevated Roofing Is Here To Help
The experts in roofing are available to help residents navigate the difficult process of filing an insurance claim. They make certain that no damage or details are ever overlooked, and they work hard to ensure that your roof replacement project will go as smoothly as possible.
If your roof has been damaged by hail, wind, or any severe weather event, contact them immediately to schedule your no-cost, no-obligation roof inspection. This is the first step in restoring your home to its original condition, and a professional roofing will stand by your side throughout the entire process.
