Useful Tips on How to File a Roofing Insurance Claim

roofing insurance claim process

Wherever you are in the United States, harsh weather conditions can damage your roof. Your home is a highly valuable asset and anything that happens to it can affect your safety and comfort.

If your roof has been recently affected by a storm, know that it can still be saved. This is where a roofing insurance comes in.

How does a roofing insurance benefit homeowners?

When you discover that you need to replace your roofing system, you will feel a lot of anxiety. After all, you’re aware that a total roof replacement costs so much more.

In the context of roofing damage after a storm, the main responsibility of insurance companies is to provide homeowners with coverage. However, homeowners need to show evidence of the disaster through proper documentation.

Sometimes, people find the insurance claim process to be very tricky. If they fail to completely follow the process, they won’t be able to receive coverage.

Today, we’re going to help you get through the roofing insurance claim process. Read this article to learn some basic knowledge and practical tips.

How to File a Roofing Insurance Claim

Below are the steps on filing a roof insurance claim:

1. What does your policy cover? Contact your insurance provider.

This is the first and most obvious way for you to know if you are eligible for a roof insurance claim. Call your insurance provider and ask if they cover your roof damage. Put in mind that insurance policies vary.

Specifically, inquire if they have included weather damage in their policy. If you need hail insurance, ask them outright.

Also, remember that there are insurance policies that consider the current age of your roofing system. For instance, if your roof has not yet reached 10 years, they might give you full coverage for the damaged part of the roof.

2. Document immediately and completely.

As we’ve just mentioned, documentation is an essential step to file an insurance claim. What kind of documentation or “proof” should you provide? Pictures and written notes.

Make sure to take photos of the interior and exterior areas of your home. Do not assume that your roof is the only part that has been affected by the storm. For example, if you find active leaks inside your home, take note of them.

Better yet, contact a professional roofing contractor. These experienced professionals know where exactly to look for signs of damage – even if these seem less obvious to the naked eye. Roofers are also the best professionals to go up your roof to inspect the damage. Never do it alone yourself!

Your pictures and written notes must be clear and concise. Write down the time and date. If you can take snapshots from different angles, that would provide a much better evidence.

3. Work with a roofing company that can help with roofing insurance.

Get in touch with a roofing contractor in your area. Make sure that the contractor specializes in helping homeowners file a roof insurance or hail insurance claim. You never have to deal with the problem on your own.

The good thing is that there are roofing companies that have a team of Certified Public Adjusters. These trained individuals are the ones who’ll be filing your insurance claim and dealing with your insurance company instead of you.

If you can find a contractor that can help you throughout the process, you’ll be able to enjoy full reimbursement for your roof replacement. Also, ask a written estimate from your chosen roofer on the necessary repairs that should be made.

4. Start the restoration phase immediately following the approval.

Right after the insurance company approves your roof insurance claim, your roofing contractor should get to work immediately. Your insurance company will provide you with a check as the partial payment for the replacement or repairs.

Expect to receive the remaining checks from your insurance provider after your roofer completes the roof repairs or replacement. In most situations, your roofing contractor will discover more areas that they also need to repair as a result of the storm.

The roofer will prepare a final invoice which you will send to your insurance provider. The insurance company will verify the additional expenses that were made. After that, they will disburse the remaining payment.

What to Look for or Document After a Storm Damage

Since documentation is important to help you get an approval from your insurance provider, we will give you tips on what to assess after a storm damage.

1. Torn and detached shingles

Hail storms, strong rain, and winds can tear your shingles apart through the impact made by your tree branches. Your roofer will climb up your roof to check for missing and torn shingles. Inspect your gutters as well as the ground.

2. Leaks and water damage

Is your home actively leaking from the inside? Do you see puddles of water on the floor? Check your attics. Look at your walls. Are there water stains that were not there prior to the storm?

3. Dark spots, bruises, or dents on shingles

Aside from missing or detached shingles, try to check if the rest of your shingles have dents or dark spots. These are plausible signs of hail damage. You would also want to take pictures of hail all over the place as you see them. Also look for dented gutters. These are signs of the impact caused by hail.

Final Word

In the event of a storm, if you suspect roof damage, take immediate action by following these steps. Do you need further help on roofing insurance? Are you wondering how much does insurance pay for hail damage?

Get in touch with TQM Roofing Solutions and we’ll be there to assist you throughout the insurance claim process.