Roof Damage Insurance Claim Process
If you own a home, chances are, at some point, you will need to go through the roof damage insurance claim process. Especially with more extreme storms becoming the norm, roof damage is getting more and more common.
Damage claims, and the repairs that they pay for, are a critical part of owning any property. Here’s what you should expect when you’re making a roof damage claim:
When Should You Make A Roof Damage Insurance Claim?
Just about any time you have enough roof damage that you need a roof repair or replacement, you should consider making a roof damage claim.
Your roof damage insurance provider might not cover all types of damage, but it’s a good thing to check anytime you’re looking at expensive repairs. And, you should be prepared for any roof repair to be an expensive one.
What Does The Roof Insurance Claim Process Look Like?
Here’s the step-by-step process to make a roof damage insurance claim.
Check Insurance Coverage
The first step if you suspect that you might need roof repair services, is to check what kind of roof coverage you have. That way you know whether your claim is likely to be covered, and are prepared to argue for roof damage coverage if you need to.
Not sure what kinds of damage are covered? Here are some of the most common causes of residential roof problems to help you get started.
Get A Roof Inspection
Once you know what kind of insurance coverage you have it’s time to call for a roof inspection. A lot of skilled roofing contractors, including us here at Rapid Roofing, offer free inspection services.
Even if your insurance insists on getting a second inspection, this inspection tells you what kind of repair you’re likely to need, and gives you a baseline for working with your insurance company.
Make Your Damage Claim
Once you know what kind of damage your roof is dealing with, it’s time to contact insurance. Give them all the information from your original inspection. Don’t be surprised if they want you to schedule a second opinion, or even want to get an inspection from one of their workers, or a contractor they’ve worked with before.
Use Temporary Measures to Address Problems
The insurance claims process can be a long one, so it’s best not to wait until your claim goes through to start addressing the problem.
It’s a good idea to ask your roof inspectors what you can do as a temporary measure to protect your roof while you wait on insurance. Options like draping a tarp over the affected area can help protect your home and prevent more damage from accumulating between the start of the process and the actual repair.
Get a Roof Repair/Replacement Estimate From A Qualified Contractor
Once your claim has been approved it’s time to start shopping estimates and find the right contractor to do the job. Remember, the lowest estimate isn’t necessarily the right one to go with.
Pay attention to how you feel about the contractor and whether you’d be comfortable working with them to repair your roof. Do they seem knowledgeable and confident in their skills? Do they have previous experience with this kind of roof and this kind of repair?
Those questions will help you pick the right team for the job.
Looking For Help After Your Roof Was Damaged?
Finding the right people to repair your roof is the first step to getting your home back to normal. We’re here for every step of the process from your initial inspection to completing the repair.
If your roof damage insurance has processed your claim and you’re ready for a repair, contact Rapid Roofing – we’re here to fix your roofing problems, fast!
