Discovering that your roof has significant damage can be a stressful and overwhelming time for homeowners. Not only do you have to figure out who to call for reliable roof repair, but you need to navigate the insurance claim process including follow ups with the roofing contractor, insurance adjusters and in some cases, even your mortgage company. In order to make sure you understand the insurance claim process, here is how our roof replacement and repair team recommends you do it:
5 Steps For Filing a Roof Replacement Insurance Claim
1. Look for damage.
After the storm has passed, immediately step outside to inspect your roof for damage. Although your roof may seem perfectly sound when looking at it from ground level, there could be other damages that only a trained roof repair expert can identify. Internal damage can only be noticed by a trained eye and waiting until you notice a problem yourself can create issues down the road your insurance policy won’t cover. To make sure roof repair is covered by your insurance policy, have your roof inspected by our roof repair experts as soon as possible.
2. Take pictures and document any damage.
If your roof has noticeable damage, inside or out, be sure you take plenty of pictures. Documenting damage and how extensive it is will help your insurance claim, and roofing company understand the damage and cover your back if the repair didn’t go as planned. When you file a claim, an insurance agent will travel out to your home to assess the damage themselves too. In other words, it’s always good to have pictures of before and after any roof repairs have been made to make sure you cover all of your bases.
3. Call your insurance agent immediately after a storm to understand what your policy covers.
Understanding what your insurance policy covers is vital. You need to know what is covered and what you’ll be responsible for paying when you submit a claim. Limitations may be set in place on your homeowner’s policy, such as what types of roof damage are and are not covered. Additionally, some insurance providers don’t cover roof replacement if the roof is more than 10 years old. Knowing your roof policy’s guidelines can help you navigate unexpected issues when you file a claim.
4. Use a roof repair and replacement contractor who has insurance experience.
Assuming that your roof repair will be covered under warranty by your insurance policy, you’ll be given claim funds to get a roof repair or replacement. When you choose a roofing contractor, be sure you have a conversation about the claim and request to view their insurance and licenses. You’ll want to validate they’re reputable and understand how a roof replacement or repair through an insurance claim works; this way, you’ll get the maximum reimbursement for your roof replacement possible.
5. Avoid contingency contracts.
There are plenty of roofing contractors in Charlotte who offer free roof inspections; however, in order to receive your “free” inspection, you’ll need to sign a contingency contract. By mistakenly signing a contingency contract, you’ll be agreeing to give the roof replacement or repair job to that roofing contractor once your insurance claim is approved. When you reach out to roofing contractors for estimates, you shouldn’t have to sign anything. No contractor should pressure you into signing a document; if they do, you can assume they’re not as reputable as you’d like. Also, be sure you check your go-to roofing company’s BBB ratings. This way, you can rest assured that the roofing professionals you pick are capable of completing high-quality work.
Call Ace Solar & Roofing in Charlotte for insurance claim help!
Our roofing contractors have the experience you need. Contact the leaders in the industry here in Charlotte online today or give us a call at immediately (704) 755-4046. We offer free inspections and don’t have you sign a contingency contract. We want you to get the roofing help you need. We can solve your storm damage problems.