The roof is an extremely important part of any home so it’s to have it protected by a good insurance policy. Unfortunately, navigating your way through the ins and outs of your coverage to file for a roof repair or replacement can sometimes become a little overwhelming. There are so many clauses, terms and conditions to go through, it’s simply impractical to familiarize yourself with all of them.
Luckily, there are ways to make dealing with your insurance provider a lot easier. Let our roofing experts at Cantrell Roofing offer you tips on how to file effective insurance claims for your roof.
Warranties Vs. Insurance Policies
New roofs will often be covered by two separate warranties: labor and materials. Material warranties are typically backed by the roofing manufacturer, while labor warranties are provided by the roofing company that installed your roof. Insurance will typically cover roof replacement, repairs and labor under certain conditions, however, filing a claim might affect your premium. It’s best to see if your roof is still covered by a warranty before going to your insurance.
If you have recently had a new roof installed, make it a point to take pictures immediately. This can serve as a reference for future repairs, should they be needed, and might also help insurance adjusters to fully assess the damage you have incurred. If a natural disaster caused your roof problems, as soon as it’s safe, don’t forget to document everything as well. Keep all labor receipts, estimates and photos in a roofing file for easy access.
A Good Contractor
When it’s time to file an insurance claim, having a good roofing contractor you can trust is invaluable. Insurance companies send assessors to determine the scope of a claim, but will often defer to the assessment of a roofing expert if one is available.
Our roofing professionals at Cantrell Roofing can help you with all your roofing insurance requirements as well as gutter installation services. Give us a call at (903) 287-6240 or fill out our contact form to schedule a consultation today.