Roof Damage Insurance Claims

Understanding the insurance claims process can help you improve the chances of a successful claim. The typical process that occurs when you file an insurance claim for storm damage is as follows:

1. ASSESS DAMAGE

• A self-inspection of the damage is a good first step, but bear in mind that you may not be able to spot all damage.
• Contact your local roofing contractor to further assess the damage as there is a good chance you as the homeowner won’t catch everything.

2. CONTACT INSURANCE PROVIDER

• Once damage is identified, contact your insurance company to report the issue and begin the claims process.
• Make sure to get in touch with your insurance provider as soon as you’re aware there is damage to your roof.

3. INSURANCE ASSESSMENT

• Your insurance provider will then send an individual to your home to assess in order to determine if there is damage and whether your insurance policy covers it.
• If you believe you’re being ripped off, make sure to contact a roofing repair company that can provide a second opinion on the damage.

4. FILE DOCUMENTATION

• Once you decide to repair the roof, you’ll have to file documentation that outlines the repairs required. This documentation should also outline the person who fixed it, as well as the cost associated with the repairs.

5. WAIT FOR THE OUTCOME

• Once you have filed all your documentation, you should hear back from the insurance provider in due course.
• If you experience a delay in the verdict on your claim, it’s important to ask your insurance company for additional clarity.