Due to the severity of weather in the South, thousands of roofs are replaced every year due to hail and wind damage. These roof replacements are typically covered by most homeowners’ insurance policies.
A quality roofing company should be very knowledgeable in the insurance claims process to best help the members of their community. If your roofing contractor is unable to explain your insurance claim in simple, easy to understand terms, you may want to speak to a Durden Roof Care representative.
For many of our customers, a hail/wind claim is the first and last claim they will ever file on their homeowner’s insurance policy. Having a good understanding of this process allows our field representatives to best help homeowners maximize the return on their insurance investments.
If you have recently filed a claim with your insurance company, received an insurance settlement, or would just like to know whether it makes sense to pursue an insurance claim, Durden Roof Care can help. Call us today and a representative who is well-versed in the claims process will be able to help you.
Tips for Filing a Roof Replacement Insurance Claim
#1 – Look for damage immediately after a storm
If you suspect your roof is damaged, call a reputable and licensed roofing contractor to come and inspect your roof. Keep in mind that even if your roof looks intact from the outside, there could be significant internal damage that only a trained roofing specialist can identify. Some insurance policies have stipulations that detail how long you can wait after the damage has occurred to your roof and still have the damage covered under your insurance policy. After a severe storm and as soon as it is safe to do so, have your roof inspected.
#2 – Take pictures and document details related to the damage
An experienced roofer will know where to look for damage and will be thorough in documenting the damage and how extensive it is. They will often take pictures of damaged areas and submit to you a written explanation of what needs to be repaired and the estimated cost to repair. In some cases, you may have roof damage that is not major enough to warrant an insurance claim and, in this case,, your preferred roofing contractor can work with you to plan how to repair your roof. In other cases, you will need to get your homeowner’s insurance company involved and will need to provide proof of damage, including measurements, the events of that caused the damage, and dates and times the damage occurred.
#3 – Contact your insurance company and find out what your policy covers
When dealing with extensive roof damage, be sure to contact your insurance company immediately. If you wait too long, you may not be able to submit the claim. Always have a current policy of your homeowner’s insurance handy to review to see what statute of limitations may be in place for reporting damage and what types of roof damage are and are not covered. Keep in mind that some homeowner’s policies have additional guidance detailing the amount of damage that will be covered. For inspections, if your roof is more than ten years old, your insurance company may only cover a portion of the roof replacement cost, based on the depreciated value of your roof. If you are ever unsure of the exact roofing insurance coverage you have, contact your insurance provider. When you submit your roof insurance claim, an insurance adjuster will be sent to inspect the damaged areas and determine the cost that the insurance company will pay out to repair or replace your roof.
#4 – Choose a roofing contractor with insurance expertise
Assuming your roof insurance claim is covered under your existing homeowner’s policy, you will be given funds to repair the damage. You can choose the roofing contractor to complete repairs or replace your entire roof. When selecting a reputable contractor, be sure to ask for references and only use licensed and insured roofing professionals. It is okay to shop around and get multiple estimates to replace your roof. This way you can be sure you’re not being overcharged, and you’ll have more information at your disposal to choose a qualified roofing contractor that you feel will complete the job. Not every roofing contractor will provide insurance claim assistance while others may have insurance adjusters on staff to help you with every detail of your roof damage claim. At Durden Roof Care, we are roof replacement specialists who will work with you to make sure your claim is submitted promptly, and you can get the maximum reimbursement for your roof replacement.