Residential Roofing Tips: How To File A Roofing Insurance Claim
Your roof is one of the most valuable parts of the overall house structure. It protects your home from the effects of ice and snow and also insulates the house from extreme temperatures. Also, a well-maintained roof will keep your home looking desirable for years and even raise the possible home resale value. However, you have to take specific measures to maintain it in excellent condition. If you have homeowner's insurance and your roof is damaged, the company should cover the repair costs. Here are some tips that come in handy when filing a roof insurance claim.
Think About the Policy Coverage
It will help if you start by thinking about what the insurance policy covers before making a claim. The terms and conditions vary from one insurer to another, and you need to be keen about the fine print. For example, the insurer might only cover repairs on roofs younger than a decade in some policies. Other policies are particular about the types of damages they cover and those they don't. Understanding these limitations is one of the best ways to avoid complications when handling your claim.
Think About Immediate Inspection
Once the storm calms down and the weather condition gets back to a normal state, you can assess the roof to see the extent of the damage. You might not be in a position to tell how much damage it has suffered, which is why you should hire residential roofers. Some insurance companies will need you to file a professional report about the damage as soon as possible. Ensure that you comply with the insurers' terms and conditions, as that is the best way to minimize complications arising from the process.
Document the Damage
You can take photos of the roof damage and also videos if possible. Submit a well-written description of the damage to your house. You should also include everything the roofing contractor needs to do to restore the roof to its state before the storm. It would help if you chose a roofing inspector with experience making insurance claims to handle the inspection and documentation. They will know the correct language and evidence for a quick response. Evidence will get you a fast resolution when making an insurance claim.
The process of making an insurance claim does not have to be complicated. With the proper professional guidance, you will gather and attach the needed evidence to make a successful claim and get the money you need for the repairs.
