11 Steps to Filing an Roof Insurance Claim | Roof damage insurance claim

Roof Damage Claim

Roof insurance claim

Whatever the case may be, this article assumes that you now need to claim and pursue coverage. When it comes to insuring your roof, it is crucial to consider the most critical aspects of an insurable property, which are the roofs that are 20 or 15 years old and might disqualify you from renewing or buying a policy. Insurance companies are very strict when it comes to issuing a policy on a house with a worn-out old roof, so they are not going to issue a policy if they’re going to minimalize their risk. The good thing is that if you were approved for a policy at one time, you’re covered. However, there are other enemies such as squirrels that can scratch their way into your residence and attic, causing damage and moisture intrusions, heavy snowfall, falling limbs, electrical fires, and other adversaries. But the biggest adversary to your roof is probably wind, which is the front line of defense against the elements.

A Note About Warranties

Insurance differs from warranties. The items or services you purchase typically come with a guarantee. It’s often included in the price, while an extended guarantee may be sold separately. Defects and abnormal wear are usually included in warranties, so they usually do not cover the expense of repairing or replacing your roof if it was damaged by high winds, hail, fire, lightning, earthquakes, negligent acts, or structural faults. Homeowners insurance is essential, and that’s why none of these will be very helpful to you whether you purchased a comprehensive warranty, a labor-only warranty, or if you have a materials-only warranty from a previous roof replacement project.

If damage is caused by a catastrophic storm in which thousands of other people may also file claims, it is important to be ahead of others in getting yours. Therefore, it is necessary to file a claim with your insurer as soon as possible, especially if the damage occurs.

Steps to Filing an Insurance Claim

1. Find a Good Roofing Contractor

If you do not already have a roofing contractor in mind, make sure to select one of those reputable companies in the state where you live. Some states require certification for roofing companies, so it is important to find a licensed and local contractor. If you live in a state that requires certification, it will complicate the claims process if you don’t select one of those reputable companies. It will also enhance your overall experience as the software that the contractor utilizes allows you to easily send him overhead images of your damaged property and electronically share helpful blueprints of your home. He can quickly store your insurance information for easy access and perform measurements using satellite and aerial imagery. Plus, with the high-resolution aerial imagery features of the Clearoof™ software, contractors equipped with the iRoofing app can remotely examine and survey your home, detecting any damage that may have been overlooked.

2. Get Your Roof Inspected

The contractor will examine and record the damage to your roof, next. To establish a strong argument for necessary roof repairs, they will capture numerous photographs.

3. Make Temporary Fixes, Then Start the Filing a Claim

Later, you have the option to submit it; otherwise, they have the option to submit it now. The insurance adjuster discovers what the insurance company on your behalf, but if not, they can submit it at this time, the contractor might have already submitted paperwork to your insurance company. It will also confirm what the insurance adjuster discovers because it is always a prudent measure to have a contractor perform an initial inspection. You must retain the receipts for materials so that you can submit them for reimbursement by your insurance company, but it is the duty of the homeowner to do so. If necessary, request your roofer to make temporary repairs to safeguard your home from further harm.

4. Schedule Visit by an Insurance Adjuster

Once your roofing contractor confirms the damage, make sure to get in touch with your insurance company. The adjuster will then come to your property within a few days. Inform your contractor about the scheduled visit of the adjuster so they can be present during the inspection. If needed, encourage your contractor to meet you and the adjuster at that time. It is crucial for them to be there to identify and address any areas of damage or concern.

5. Take Notes. Ask Questions!

Feel free to inquire about a few queries without any hesitation. In the future, when conveying information to the insurance company, it is essential to include specific details for a quicker and more convenient process. Make sure to note down important information such as the date and time of the visit, as well as the name of the adjuster.

  • “Does the harm described fall within the coverage of my policy?”
  • “What is the time frame for filing a claim?”
  • “What is the estimated time for the claim to be processed?”
  • “Do I require to acquire estimates for repairs?”
  • 6. Understand All the Details of the Job.

    While your contractor works on the roof, it is important to ensure that any work scope required by the company’s insurance is understood and approved. The property adjuster from the insurance company will inspect your property after that.

    7. Insurance Repair Estimate.

    The insurance company will issue a repair estimate and the funds which will be needed to cover the repairs or roof replacement.

    8. The Job Begins…

    The insurance company and you, acting together, will be responsible for carrying out the work in accordance with the agreed-upon schedule they establish with your contractor. Before commencing the project, the required materials will be delivered to your property, and your roofing contractor will arrange for the materials and determine the timeframe for initiating the work.

    9. How Payments Work.

    The roofing contractor is usually paid once the work is completed. If you have a mortgage on your home, the mortgage lender and the settlement company will usually check the insurance on your home to ensure that repairs necessary for the property are made. Therefore, mortgage lenders have equal rights to check the insurance. After all, the mortgage company has a financial interest in your home. Therefore, the bank or mortgage company will have to endorse the check. Generally, the lenders will put the money for the repairs in an escrow account.

    10. What About Extra Expenses?

    You will compensate your contractor for any extra supplementary funds owed for the work they carried out on your behalf, which will be paid by you to your insurer, and you will receive these funds.

    11. Your Mortgage Company Takes a Look.

    It’s likely that your mortgage lender will come to examine the work once it is completed.

    Final Things to Note…

    If there is a gripe over the insurance coverage, it is the homeowner’s and adjuster’s responsibility to work through the matter. They do not have any say-so in insurance policy matters. Only roofing contractors have the power to influence the cost estimate and assessment of damages.

    The reputable contractor who promises to stand behind their workmanship goes the same for your overall roofing contractor, as well as your company’s insurance. If you want the highest quality roof, it should reflect the insurance coverage that you want. The last thing the insurance company wants is to pay out another claim next time there is severe weather.

    If your roof was damaged due to a catastrophe, you might still be able to file a claim for Federal Disaster Relief assistance at DisasterAssistance.Gov. In case you elected to forego homeowners’ insurance, you may no longer have to carry a mortgage balance and if you own your home, you can receive temporary housing assistance and other disaster-related expenses support from the Federal Government.

    When it comes to dealing with anyone who offers to adjust insurance claims or provide repairs for your door, don’t. It can be difficult to believe, but during times of hardship, there are some people who seek to take advantage of homeowners. It’s hard to believe that some people believe in taking advantage of homeowners during any natural catastrophe, so be on the lookout for scams.

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