Filing a roofing insurance claim is a lot trickier than it seems, which is why the residential roofing contractors at Cantrell Roofing compiled a guide to help you navigate the initial stages of the process.
Document Signs of Roof Damage After an Extreme Weather Event
Your insurer will be requiring proof that the damage to your roof was caused by an extreme weather event, not irregular maintenance or negligence on your part. As such, you should take pictures and take note of the visible signs of damage as soon as it’s safe to go outside after a storm.
Once all the necessary documents are in order, submit them to your insurer right away. Left unattended for too long, roof damage can affect other parts of your house, making it impossible for the insurer to determine the initial damage caused by the storm and voiding your warranty in the process. To minimize the risk of delays, it would be a good idea to store all the necessary documents in one area. Contractors also recommend scheduling routine roof maintenance work to make sure your warranty remains valid.
Ask for Estimates From a Local Contractor
Afterward, ask for estimates from contractors to get an idea of how much the repairs will cost. Some contractors also offer insurance processing assistance, so if you’re having trouble navigating the filing process, you can consult them.
Meet With the Insurance Adjuster
After your insurer processes your documents, an insurer will visit your home to assess the extent of the roof damage and determine the amount of the payout. Some homeowners feel intimidated by insurance adjusters, but don’t let this stop you from voicing out your concerns.
Need help with filing an insurance claim? Cantrell Roofing, LLC, a HAAG-certified roofing inspector, offers a wide range of professional roofing services, including insurance claims processing assistance, as well as a wide variety of premium metal roofing systems. To request a free consultation, call us at (903) 848-9494 or leave us a message here.