Dealing with roof damage is not an enjoyable experience by any means. Unfortunately, it’s something which can happen even if you have a properly installed, high-quality roof This is especially true during particularly bad weather, such as during a hurricane. If you experience roof damage of any kind, you’re going to want to file an insurance claim so you don’t have to foot the bill. The following are the steps you should take to make sure your insurance claim goes smoothly:
Take pictures and record details
If the roof is badly damaged and your home is unsafe, then you should be sure to stay somewhere else. Whether or not the roof damage seems significant, you’ll want to record details about the damage. Take notes about how the roof is damaged and take lots of pictures from outside to show your insurer. This additional proof will help strengthen your claim.
Know what’s covered
Go over your homeowner’s insurance policy to determine what is and isn’t covered. For example, if your roof is over a decade old, some policies may only reimburse you for the depreciated value of the damaged roof, while others may cover the full cost of repairing or replacing your roof.
Schedule a roof inspection
Find a roofing contractor who has experience with the roof insurance claim process. They will know what the insurer needs to see in order for the claim to go through. As such, they will come to your home and do a thorough inspection to determine exactly what kind of damage has been done and provide you with an accurate estimate as to the cost of repairs or replacement. They will also take steps to protect your roof and home from further damage. However, they will not begin full repairs or replacement until you speak with your insurer. They will provide you with all the proper documentation to file your claim.
Contact your insurance company
Contact your insurance company and follow the steps to submit an insurance claim, using the pictures and notes you took as well as the documentation provided by the roofer. This will strengthen your claim.