Filing A Claim For Roof Damage

File a claim with your homeowner s insurance within 30 days.

Filing a claim for roof damage.

If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have. If you have damage to your roof filing a claim may have an impact on your policy. On the other hand your public adjuster is your own advocate and is on your side. Filing a claim may have an impact on your policy so you should be very sure.

Be sure to take as many pictures as you can of the roof damage. If your roof has recently been damaged it is important to file a claim with your insurance company right away. Inspect the damaged areas as best as you can while remaining safe. To combat this many home insurers have implemented different coverage levels.

If you don t see much damage aren t sure what you re looking for or don t want to get on your roof have a good roofing contractor perform a free inspection. However before you do call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option. Home insurance companies in past years have been walloped by numerous and expensive roof claims. If you have roof damage that needs repairing you have to file a claim with your homeowners insurance company.

In more than 90 percent of hail or high wind claims there is a payout relative to the roof cover according to the insurance institute for business and home safety. Filing a homeowners insurance claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. Instead your roofing company will get the damaged areas tarped and secured to protect your home and your wallet. They want you to get the highest possible payout that you deserve.

You can also hire an independent insurance adjuster not a public adjuster see mistake 5. It s the gateway to far greater damage claims once it s damaged. However you should not do so right away. Once this is done the roof should be ok until repairs can be made.

Most states require a homeowner to make a claim within 30 60 days. Wind and hail damage. To a home insurance company the roof is the most important part of your house. Write down detailed descriptions of the damage and its location on your roof to include with your claim.

When filing an insurance claim it is important to have evidence that the damage you are claiming is new. Filing a roof damage insurance claim. Be observant and take careful notes. Navigating the process of filing a claim can vary slightly by insurance company but generally the steps include.