Filing Claim For Roof Damage

If your roof has recently been damaged it is important to file a claim with your insurance company right away.

Filing claim for roof damage.

To a home insurance company the roof is the most important part of your house. Inspect the damaged areas as best as you can while remaining safe. Michael barry an iii spokesman recommends contacting your agent or insurer to ensure you know the time limit for any claims. Be observant and take careful notes.

If you have roof damage that needs repairing you have to file a claim with your homeowners insurance company. Filing a homeowners insurance claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. Write down detailed descriptions of the damage and its location on your roof to include with your claim. Instead your roofing company will get the damaged areas tarped and secured to protect your home and your wallet.

Most standard policies require filing a claim within one year of determining that a hail storm damaged your roof or other parts of the house. You can also hire an independent insurance adjuster not a public adjuster see mistake 5. It s the gateway to far greater damage claims once it s damaged. Most states require a homeowner to make a claim within 30 60 days.

File a claim with your homeowner s insurance within 30 days. Filing a roof replacement insurance claim. On the other hand your public adjuster is your own advocate and is on your side. If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have.

However before you do call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option. If you don t see much damage aren t sure what you re looking for or don t want to get on your roof have a good roofing contractor perform a free inspection. Whether or not you notice any immediate damage it will be important for your future insurance claim to mitigate any potential problems by placing tarps over the roof and checking for water damage mold or other issues that may cause further damage before your roof claim can get paid out and your roof can be restored or repaired. Once this is done the roof should be ok until repairs can be made.

They want you to get the highest possible payout that you deserve. To combat this many home insurers have implemented different coverage levels. When filing an insurance claim it is important to have evidence that the damage you are claiming is new. In more than 90 percent of hail or high wind claims there is a payout relative to the roof cover according to the insurance institute for business and home safety.

Be sure to take as many pictures as you can of the roof damage. Home insurance companies in past years have been walloped by numerous and expensive roof claims.