To file a roof insurance claim or not to file a roof insurance claim? That is the question. A roof is the most essential piece of your home. It protects everything you value most. Unfortunately, it also bears the brunt of Mother Nature’s force. When your roof is damaged or shows its age, should you file a roof insurance claim?
Most people think it would make sense. After all, you are paying into homeowner’s insurance, so why not use it? Insurance can be a tricky field to navigate, and it often seems counterintuitive. On average, one claim is made every ten years, however they are not always approved. Homeowner’s insurance will typically cover a roof damaged by some unpreventable disaster: vandalism, fire, hail, wind, and rain. However, there is wiggle room in such events that cause insurers to deny a claim, raise your premium, or cancel your insurance all together.
Once you have decided to file a roof insurance claim, there are several actions you must take:
Find out what is covered in your policy. Many insurance companies provide different types of coverage and take into consideration many elements surrounding your roof. For example, if your roof is more than ten years old, the insurance company considers your home devalued prior to damage. This means they may cover some, if not all of your replacement. If your home is younger than ten years, it is likely you will be reimbursed in full. Remember, every insurance policy is different. Check yours before you make a roof insurance claim. .
Next, you will need to contact your insurance and set up a time for an adjuster to inspect the roof. This should be done immediately after the roof is damaged. An insurance adjuster will determine if the repair is beyond normal maintenance.
Provide proof of damage. It is important to document the damage, possibly with “before” pictures. This will show the insurance company that you did not wait to have the repairs made. If you put off having repair work, insurance may not provide coverage. Once your roof insurance claim is filed, and the damage is repaired, “after” pictures should be taken. Documenting any home improvements can ease the claims process.
Choose a contractor. Only contact a contractor that is licensed, bonded, and insured. Check reviews from reputable sources (i.e. BBB, Angie’s List, etc.). Make sure it is not a “fly by night” company. A trustworthy roofer will use quality materials and have experience with insurance companies. Pro-Home Services is used to working with insurance companies and also has claim adjusters on staff to help you navigate the insurance process. Our goal is to repair your home at a cost you can afford, with the best materials. Call us today for an estimate at 630-790-0800.