The right way to file an insurance claim regarding roof repairs
The right way to file an insurance claim regarding roof repairs
Filing an insurance claim regarding roof repair can be stressful. You have likely heard stories about how tricky insurance adjusters can get with technicalities, denying your entire claim. It's possible for it to happen if you don’t properly report the damage. This applies only if your policy covers the damage. Sometimes it's best not to risk your insurance coverage and to just pay the repair costs. A professional roofer is able to evaluate your roof and determine if you are eligible for insurance coverage to pay for the repairs.
These tips will help ensure that you receive the maximum amount of coverage.
Tip 1: Document what caused your roof damage
Many times, roof damage happens during a storm. Note the date and time of the storm if you can. The best photos will show damage to your homes such as missing or damaged shingles or wet spots. Do not forget to take pictures of hailstones placed near coins or tape measures. Also, take pictures of fallen trees as well as damage to your car and siding. It is also possible to ask neighbors' permission to photograph any damage to their homes.
It is best to take photos with dates and times stamped on them. This is a way to show that the storm actually occurred on a particular date, which can be supported by reports from the local weather services. This type of evidence is difficult for insurance companies to discredit. In fact, just by including it with your claim, they have a reason to offer more accurate rates.
It is worth taking a few pictures during storms, even if no damage is apparent right away. You will have a better chance at proving your claim if the leak occurs later.
Tip #2 Determine what Roof Damage your Insurance Policy Covers
All homeowners insurance policies may not be the same. Which coverage does yours provide for? You will have to look it up to find out. Insurance coverage is not the exact same as a maintenance program. Sometimes you may need a new roofing system even though you aren't experiencing a disaster. A good roof will last at least 30 years. However, there are always chances of getting damaged. It will depend on the circumstances as to whether this is sufficient to justify a total roof replacement or even a claim.
Do not neglect roof maintenance. You may lose your coverage even if you are in an emergency. This is the number-one way insurance companies avoid paying repairs. The insurance company may say that poor roof maintenance could lead to cracked, curled, missing or damaged soffits, underlayment damage, and rusty gutters. The pros can also help with this situation by consulting a professional company. They can compare your home to the damage they suffered.
Tip #3 Hire a contractor who will provide an estimate for your roof repair
A reputable roofing company is recommended before you submit your insurance claim for roof replacement. You'll be able to understand the estimated cost to repair the damage. Some insurance companies have a history of cutting consumers. They will provide enough funds to repair your roof with poor-quality materials. It can be helpful to have an estimate ready so that you don't have to make unreasonable restrictions.
After a severe storm, you might find your area filled with amateur roofing companies or, worse, scammers. Do not enter into a contract if you request an estimate. Before signing any documents, ensure you read the fine print.
Tip 4: Take into consideration whether you should file a claim for insurance to repair.
However, total roof replacements can run up to $20,000. Not all roofing repairs are as expensive. A small $3,000 repair or patch job may not be worth making a claim. Here are some considerations.
- The amount you pay for your deductible
- Total cost for repairs
- No matter whether you've previously filed claims
Your policy should cover you so that you can file a claim whenever there is a need for repairs to your home. However, it is important to not file too many claims as this could result in red flags from your insurance provider. Worse yet, your claims history will be available in a national registry and could cause insurance companies to refuse to cover you. Experts recommend paying out of pocket for repairs until they reach $5,000.
Mesa Roofing Pros
930 N Mesa Dr #2001 Mesa 85201
+480-712-3186