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Roofing insurance claims can be daunting, especially if you have never had to file one before. However, immediate action is essential if your roof has sustained storm damage.
Filing a claim for storm damage can help you get the repairs you need without paying for them out of pocket.
In this article, I will help you understand the insurance policy, document the damages, fill out the claim, and work with an insurance company & roofing contractor.
Shall we proceed? Let’s get started.
Understanding Your Insurance Policy
Before you file a claim, it is important to understand your insurance policy. There are different types of insurance coverage for storm damage, such as wind, hail, and water damage.
You should review your policy to determine if your roof is covered and what the deductible is. You should also understand the claim process, including how to report the claim and what information you must provide.
Documenting Storm Damage
You should also take photographs of the damage to provide evidence for your claim. If you cannot safely inspect your roof, you should contact a professional roofing contractor to do it for you.
Even a professional roofing contractor can help you through the whole process.
As a side note, if your property location is in Rhode Island (Providence, Pawtucket & Woonsocket), you can contact us for help.
Anyway, let’s move on.
Filing the Claim
Once you have documented the damage, you must file a claim with your insurance company.
This involves contacting your insurance company and providing the information and documentation they need to process your claim.
You should be prepared to answer questions about the damage and provide a detailed explanation of what happened. It is important to avoid common mistakes when filing a claim, such as waiting too long to report the damage, not providing enough information, etc.
As I mentioned, if you contact a roofer who also deals with insurance claims, your process will be smoother than doing everything yourself.
This is because they handle these cases a lot and know the most common mistakes to avoid and do everything properly. However, if you want to do everything yourself, I suggest having everything documented by a roofing professional before you start claiming.
At least, this will lower the chance of denied roof insurance claims.
Working with Your Insurance Company
After filing your claim, you must work with your insurance company to get the necessary repairs. This may involve meeting with an adjuster to assess the damage and negotiate a settlement.
It is important to communicate with your insurance company throughout the process and provide any additional information they may need.
You should also know your rights as a policyholder and negotiate a fair settlement.
Selecting a Roofing Contractor
Once you have received a settlement from your insurance company, you must hire a roofing contractor to make the necessary repairs.
Choosing a reputable contractor with experience working with insurance claims is important. You should also avoid scams and fraudulent contractors who may try to take advantage of you.
Filing a roofing insurance claim for storm damage can be complex, but taking action as soon as possible is important.
By understanding your insurance policy, documenting the damage, filing the claim, working with your insurance company, and selecting a reputable contractor, you can get the necessary repairs and protect your home from further damage.