No one wants to deal with storm damage, but unfortunately, it happens.
If you have homeowner’s insurance, then making a roof damage insurance claim can help take the sting out of it a little bit by paying for the repairs.
But you want to make sure you do it right. Keep reading for our tips on what to pay attention to when submitting your claim!
1. Examine Your Policy
Homeowners insurance typically covers damage caused to your roof by hail, windstorms, fire, tornados, and vandalism. Hail and wind damage claims are the most common types of homeowners claims.
Take a look at your insurance policy to see what it covers before contacting your insurance company. Depending on your coverage, you may be entitled to a full replacement or at least something to help with the cost.
One factor that will come into play is the expected life of your roof. You can expect a bigger payout if a storm destroys your 5-year-old roof than if your roof was already pushing 25 years at the time of the damage
2. Document the Damage
When filing an insurance claim, it is important to have evidence that the damage you are claiming is new. Write down detailed descriptions of the damage and its location on your roof to include with your claim.
Be observant and take careful notes. Inspect the damaged areas as best as you can while remaining safe. If you are able to get footage of the storm as it is happening, that could be helpful. Just don’t put yourself in harm’s way to do so.
Take photos of the damage. Include them with your claim. Also, include any photos you have of your roof and property before the damage is helpful to prove the damage is new.
3. Contact Your Insurance Company Right Away
It is important that you don’t wait to contact your insurance company after your roof is damaged. Some companies have policies that require claims to be made within a certain time frame of the damage happening in order to cover them.
After you have documented the damage, reach out to your insurance company and ask what their policies are and see what kind of timeframe you have. Don’t wait until you have an estimate in hand before you call.
This can also be a good time to ask clarifying questions about your policy and coverage. You can ask about what other steps they might recommend you take when filing your claim.
4. Get a Detailed Estimate
In order to complete your claim, you will need an estimate. Hire a contractor with experience to come out and inspect your roof and give you an idea of what you are may have to spend.
All insurance companies are different, but here is an example from State Farm of the kind of information they are looking for in an estimate:
- Charges for Labor
- Amount of Materials Needed
- Building Permits (If Needed)
- Warranty Information
- Work Specification
- Estimated Start and Completion Date for Repairs
We offer free estimates and inspections, so let us come out and take a look at the damage and help you get things back to normal!
After Your Roof Damage Insurance Claim
After you’ve made your claim, the next step is getting your house back to the way it used to be. We have a skilled and experienced team who would love to help you restore your home and make it look like the damage never happened. Contact us today!