Every year homeowners pay insurance companies their hard-earned money to make sure that their most valuable asset is protected. It is important remember that if you have insurance, you should not be afraid to file a claim. One thing you do want to be sure of though is that when you do continue with an insurance claim, you have a professional roofing company that can represent your needs with your insurance company.
What to do
If you think there might be damage to your roof, make a note of it so you can contact your insurance agent. Even though it is possible to do so, it is not recommended to have homeowners climb onto their own roof to inspect any possible damage. There is a possibility that you are not seeing potential damage, and it is not safe for the average homeowner.
Remember that the insurance company is in the business of making money. Oftentimes individual homeowners find that it can be difficult to get the money they need to make repairs. Do not make the mistake of waiting too long after a storm or other impact. Too many claimants have been disappointed because they did not file early enough.
The best procedure
The first step of getting your insurance claims approved is to have a roof repair expert inspect your roof. Take the report you receive from them and file a claim with your insurance. Once this happens, insurance companies will send over an adjuster. An adjuster will inspect the roof of your home. It is a good idea to have a roofing contractor present during this. Otherwise, a quick denial may be inevitable. When the adjusting process is done and the insurance company approves the roof replacement, let the roofing contracting company take care of the remaining insurance claim process for you.
Storm, wind, or hail damage
It does not matter if it is storm, wind, or hail damage, oftentimes these are considered an insurance loss that goes onto your homeowner’s policy. While it depends on the insurance company, most insurance companies will pay for the entire cost of roofing repair, minus the deductible. Oftentimes having an insurance claim will count as a natural disaster, thus ensuring that your future rate does not go up. If you are worried that there might be damage, do not hold off any longer and call today.