Roofs protect people from adverse weather conditions like rain, sun, snow, and so on. These roofs are prone to damages, in which the house owner sometimes has insurance for.
Over 40% of a house owner’s insurance claim involves damages from wind or hail; these damages tend to affect the roof.
There are several causes of roof damage, with hail and wind being the highest. Others are fire, tornadoes, hurricanes, and vandalism. These roof damages can be very costly for a roof owner to repair, and this is where insurance comes in. However, insurance companies do not cover damages emanating from normal wear and tear.
As a homeowner, if you have a roof repair insurance, you need to know how to perfectly file a claim. Well, how do you do that?
Here are the steps you should take in filing an insurance claim for your new roof or roof repair:
First, you need to find out what your insurance covers. This is the first step towards filing an insurance claim. Different insurance companies have different ways of handling insurance claims. There are some that check the age of your roof; if your roof is less than ten years, they cover the full costs, but if it is more than ten years, they only compensate you for depreciated value. There are some others that do not check the age of your roof; they offer full coverage and pay for all the damages. So, you need to find out what your insurance covers. This will tell you the next step to take.
Secondly, you inspect the damage on your roof. You need to check the condition of your roof and know to what extent it was damaged. A professional roofing contractor can help you carry out this inspection because he will have the ability to detect hidden damages. You may think your roof is in good condition, not knowing there are interior damages. Only a professional roofing contractor can give you a thorough inspection and write a report on the damage.
Next, you take pictures. You need pictures as a proof backing your claim. These pictures should be added to your documentation, which is the roof inspection report, written by a professional roofing contractor.
The insurance claim is making progress at this stage. You should then contact your insurance company. Bear in mind that you must have all the necessary details and paperwork or documentation to back your claim. You also have to follow all their procedures and let them guide you through their process. They may send an agent to carry out a separate inspection on your roof; only then will they approve or reject your claim. If the damage on your roof is from the usual wear and tear, your claim is likely to be rejected. After you’ve been approved, they pay you a sum for your roof repair. If the sum is not okay with you, you can choose to go to court.
The final step is to get a good roofing contractor to carry out your roofing repair. Bear in mind that you need to hire a professional roofing contractor to carry out your roof repair.
At J & M Roofing, we will help you all through your entire claim process. As professional roofing contractors, we will help you write a roof inspection report, complete all the necessary documentation, and start work on your roof.
We use only quality materials for new roof installations and roof repair.
Reach out to us today, and let us help you file your claim.
Our contractors have the knowledge and experience to handle any roofing project, no matter the size and scope. Call us today to schedule a free consultation with one of our experts.
We’ll begin by assessing the current condition of your roof and will develop the best plan based on your circumstances. We can help you decide if repairs will be an adequate fix or if it’s a better investment to re-roof.
