Tips for Making an Insurance Claim for Roof Repairs
It can be troubling for a homeowner to discover that their roof needs replacement or repair. Dealing with making an insurance claim for roof repairs, speaking to adjusters and getting adequate reimbursement can be a difficult process. Many are unsure how to properly file a claim, and they don’t know what to expect. Insurers stringently review claims, and they expect full documentation before the claim is processed. Below are some tips for homeowners to simplify the claims process.
Determine the Level of Coverage
The simplest way to determine what’s covered is for the homeowner to contact the insurer. Some policies consider the roof’s age at the time of damage. For instance, if the roof is less than a decade old, the policyholder may be fully covered for roof replacement or repair. However, if the roof is more than a decade old, the insurer may offer only partial reimbursement based on the roof’s depreciated value. In any case, the insurer may send an inspector to verify the claim.
To expedite the claims process and get adequate compensation, the homeowner should take photos of the roof, and update them each time repairs are done. If damage occurs, another set of photos can help to document the claim. The homeowner should record and document the roof damage as well as invoices, bills and estimates received, as having this information can ensure a hassle-free claim.
Choose a Roofer Who Works With Insurers
Before a homeowner has a covered repair, they must get an estimate from a contractor. In most instances, the policyholder is allowed to choose a roofer who may help them through the claims process. Some contractors have an on-site Certified Public Adjuster who negotiates with the insurer on the customer’s behalf. When a home’s roof is damaged, the owner should look for a contractor with extensive insurance experience.
The most crucial thing to remember is that, if the roof is damaged, a homeowner shouldn’t delay a professional inspection. By determining the severity of the damage early on, the homeowner can expedite the claims process and avoid further damage that may not be covered.