Your roof is one of the most critical components of your home. It’s responsible for keeping your family and your belongings safe from damage caused by outside forces.
Because of this, most homeowner’s insurance companies have a vested interest in keeping your roof intact. Some insurance companies will cover the repairs for a damaged roof, dependent on the cause. For example, most homeowner’s insurance policies cover roof damage caused by natural disasters like tornadoes or hurricanes, fires, or vandalism. Other causes may only be covered if your home’s roof falls within specific age parameters.
Unfortunately, homeowner’s insurance can be a tricky field to navigate, especially if emotions are high after a disaster. Today, we hope to give you a little insight on how to file an insurance claim for your roof.
First, you need to determine what exactly is covered by your policy. You should contact the provider of your homeowner’s insurance and discuss these specifics with them. Your insurer can give you the most reliable information regarding what exactly will be covered in the event of a claim.
Depending on the age of your roof, you might only recoup a portion of the cost, and be left to pay the rest out of pocket.
For example, if your roof sustains damage in a storm, but it’s more than ten years old, you aren’t likely to receive compensation for the full price of your roof. However, if your roof is five years old, your insurer may pay to repair or replace the entire roof. The only way you can be confident in what will be covered is by discussing it with your insurance provider.
What Does the Insurer Need?
When you realize your roof has incurred damage, you need to move quickly. To assess the damage, you can give us a call for an inspection. Our professionals can go over your roof and document anything indicating damage. Be sure to gather photographic evidence as well as written documentation. Once the damage has been verified and documented, you need to get this information sent to your homeowner’s insurance company promptly.
Choosing a Contractor
When the time comes to get the work done, you need to be sure you’ve chosen a contractor who has experience working with homeowner’s insurance companies and claims. Sometimes your insurance company will require you to work with particular contractors, but most of the time you’ll be free to choose who you want to work with.
Either way, you need to be certain the contractor knows how to navigate the maze of documentation and forms required by the insurance claims process. You can even ask your insurance company if they have any recommendations for roofing contractors in your area.
If you think your roof may have sustained damage, the most important thing is to get it inspected as soon as possible. This way, you can quickly get the claim filed.
Call PFM Roofing today, and we can help you get the ball rolling!