Filing A Claim For Roof Damage

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.

Filing a claim for roof damage. To a home insurance company the roof is the most important part of your house. Be sure to take as many pictures as you can of the roof damage. Wind and hail damage. However you should not do so right away.

Instead your roofing company will get the damaged areas tarped and secured to protect your home and your wallet. They want you to get the highest possible payout that you deserve. 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. If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have.

To combat this many home insurers have implemented different coverage levels. 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 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.

Inspect the damaged areas as best as you can while remaining safe. When filing an insurance claim it is important to have evidence that the damage you are claiming is new. If you have damage to your roof filing a claim may have an impact on your policy. File a claim with your homeowner s insurance within 30 days.

Home insurance companies in past years have been walloped by numerous and expensive roof claims. Filing a claim may have an impact on your policy so you should be very sure. Filing a roof damage insurance claim. Be observant and take careful notes.

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. Filing a homeowners insurance claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. It s the gateway to far greater damage claims once it s damaged. Navigating the process of filing a claim can vary slightly by insurance company but generally the steps include.

However before you do call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option. You can also hire an independent insurance adjuster not a public adjuster see mistake 5. Filing a roof replacement insurance claim. Most states require a homeowner to make a claim within 30 60 days.