Full-Service Roofing: How Does A Roofing Insurance Claim Work?
Roofing insurance claims can be tricky and stressful to deal with. It can be even worse if you’re also worried about how much it will cost you to repair or replace your roof. However, it doesn’t have to be complicated, especially if you have an experienced full-service roofing contractor to help with the claim.
Here’s how a roofing insurance claim works:
Get An Estimate
If your roof gets damaged because of any cause covered by your insurance policy, the first step is to ensure you get a full inspection from a full-service roofing professional with claims experience.
This helps you determine whether the damage is extensive enough to warrant an insurance claim. It’s wise to know this before filing for an insurance claim if the damages don’t exceed your deductible to avoid premium increases. A qualified full-service roofing professional also ensures you cover all the bases and document the damage in a way that makes it easy to make your claim.
File A Claim
After you’ve filed your claim, your insurance provider will schedule an insurance adjuster to inspect the damage. They’ll examine the roof and take special note of any areas you identified during your initial inspection.
Ensure you have some from your team like your local full-service roofing provider present as the adjuster does their inspection. This ensures no damage is missed, and they can help with making costs estimates and documentation.
Next, the claim or damage assessment will be reviewed by the insurance company. This will involve evaluating the report provided by the adjuster and determining how much you should be paid for repairs or replacement.
During the review, the insurance company may request more documentation or information from your full-service roofing provider about the damage. They may also ask you questions about the information you provided. Ensure you answer them promptly to keep the process moving smoothly.
Finalizing The Claim
After the claim has been reviewed and processed, the insurance company will finalize the total amount of damages payable and send you a check at this point if approved. According to your policy, the payment is intended to cover either completely replacing the roof or repairing it to its original condition.
The involvement of the insurance company ends when the claim is finalized, and payment is received. You then have to agree with your full-service roofing provider on the scope of work and draw up a contract for the replacement or repairs.
Tips For A Smooth And Safe Process
Remember to protect your home from further damage before or during your claim. This is often a requirement in many policies, and additional damage may not be covered.
Also, ensure your insurance company doesn’t boss you around. They’re a business like any other and may not have your best interests in mind when paying out roofing damage claims. It’s your right to get fair trade pricing so ensure you have a solid repair estimate from a full-service roofing provider.