If you suspect roof damage, you need to act fast
Dealing with a hailstorm or other weather-related calamity is upsetting. You not only have to worry about property damage, you have to think about filing a roof replacement insurance claim.
There’s no reason to panic over roof claims but after the storm is over and it’s safe to go outside, it’s important that you assess the situation. Once you determine there’s roof damage you have to figure out how to file a roof insurance claim. You also have to set aside time for follow-up appointments with insurance adjusters and roofing contractors.
Concord Roofing & Construction has been servicing the Dallas-Fort Worth area for more than 20 years. Let us know if we can counsel you about how to get your insurance company to pay for a new roof. For starters, take a look at these basic steps for filing a roof claim:
Report the incident to your insurance company
Assess the storm’s aftermath
Call several local, reputable roofing contractors
Takes lots of photos
Call your insurance company about filing a roof claim
Analyze what’s covered and what’s not
Ask roofing contractors for estimates
Assess the aftermath of the storm
If you suspect your roof is damaged, the first thing you should do is survey the aftermath. Don’t climb on the roof; it’s especially dangerous after a storm. Let a qualified roof replacement contractor inspect the top of your home. The roofing contractor will walk your roof, assess the situation, and advise you if there is likely enough damage to reasonably justify an insurance claim. Here are some tips for filing that you can use before you start a roof insurance claim for a roof replacement:
Call your insurance company to make a report and ask how long you have after the storm to file a roof claim.
Walk around your property and fully inspect it for any roofing material strewn around your yard.
From the ground, look at your gutters, window frames, and door jams and note any missing or broken sections.
Survey your attic and look for any signs of water penetration.
Investigate the foundation and your basement, if your home has one, again looking for signs of leaks.
Take photos and document the damage.
Call your insurance company again to begin filing a roof insurance claim.
Ask your agent for specifics about what is covered and what is not.
Call several reputable and licensed roofing contractors to inspect your roof.
Remember that even if everything looks fine from the outside, there can still be considerable damage. This is why it’s critical to have a trained roofing specialist inspect your roof after a severe storm.
Document the damage
Before you file a roof repair insurance claim, take pictures of anything that’s damaged both inside and outside your home. Also pull out any photos that show what your property looked like before the storm. Your roofing repair contractor is the best person to advise you when you need to file a roof repair insurance claim. Your roofer will help you photograph and document any section of your roof that’s potentially compromised. An experienced roofer knows how to spot hidden problems and will be thorough in documenting the extent of the damage.
Your roofing contractor will give you a written estimate with photos detailing the damage that you can use when you file your roof repair insurance claim. Before you file a roof claim, make sure you have a written explanation of what needs to be repaired and the estimated cost.
Despite the severity of a storm, there are times when the damage isn’t enough to warrant a roof insurance claim. If that’s the case, your roofing contractor will work directly with you to plan roof repairs.
In other cases, you will need to figure out how to get your insurance company to pay for a new roof. Of all the tips for filing, one of the most important is to get your homeowner’s insurance company fully involved from the beginning. Be prepared to provide proof of damage, measurements, dates, and times when the damage occurred and other supporting documents.
Once the repair or replacement is completed, be sure to take new pictures to have on hand in the event of a future storm. They will come in handy if you ever have to file a roof repair insurance claim again. Here are some quick tips:
Take clear shots from various angles.
Label all photos with dates, times, material details and locations.
Ask your roofing contractor to help.
At Concord Roofing & Construction, we make it a point to document everything before and after a job. We will accurately show the entirety of your roof and the state of your shingles. It’s easier to file a roof repair insurance claim if you can make a compelling argument. Having visual proof helps justify that the damaged was caused by a storm and wasn’t present before.
Contact your insurance company
If you suspect you need a roof replacement following a storm, the first person you should call is your insurance agent. Your agent can help you determine how to get your insurance company to pay for your new roof. If you wait too long, there’s always a chance you won’t be able to submit the claim. Some companies impose limitations on when claims can be filed following a storm.
When filing a roof replacement insurance claim always have a copy of your current homeowner’s insurance policy handy. You’ll want to ask the following questions:
What is the statute of limitations regarding damage?
What type of roof damage is covered?
What kinds of repairs will be covered?
What is my deductible?
How long will it take for an adjuster to come?
If your roof is over 10 years old, it’s possible that your insurance company will only cover a portion of your roof replacement insurance claim. The insurance company will inspect the damage and come up with a dollar amount based on the depreciated value of your roof. When you submit your roof replacement claim, an insurance adjuster will inspect the damaged areas and determine the pay out.
Choose an insurance-savvy roofing contractor
Keep in mind that some insurance claims for roofs are initially denied, and some are paid out on a depreciated roof value. You will also have to pay any deductibles before the insurer will cover anything.
If your roof is eligible for a roof replacement insurance claim, you will get funds directly from the insurance company for a roof replacement. It’s at this point you should be ready to select a reputable roof repair contractor. An insurance-savvy roofing contractor will be able to offer tips for filing and help you gather the right documentation.
Here are some tips you can follow when hiring a roof replacement contractor:
Check for local references. Be sure your roofing repair contractor has testimonials and references from homeowners in the area. The last thing you want is a fly-by-night storm chaser who is only in town to make some quick roof repair bucks. Not all storm chasers are scammers, but it’s risky to trust your most valuable home improvement to an unknown company. It’s far safer to use a long-time reputable roofing repair contactor when filing your roof claim. You want someone who will be around if you have questions or something goes wrong.
Make sure they are insured. When you have to file a roof replacement insurance claim, it’s important to use someone trust-worthy, who has been in business for a while. Ask the roofing contractor to show you proof of insurance. All employees and subcontractors should be insured under the roofing contractor’s policy. Lack of insurance could put you in a legally precarious situation if someone gets hurt on your roof. At Concord Roofing & Construction, we are fully insured and happy to show proof.
Get several estimates. It’s not only okay to shop around it’s very smart. It’s in your best interest to get multiple roof replacement estimates; your insurance company may even insist on it. Having the advantage of multiple estimates ensures you’re not being overcharged when you’re filing a roof replacement insurance claim. It’s easier to choose a qualified roofing contractor when you have a lot of information at your disposal. Most roofing contractors will offer tips for filing and are happy to help you navigate your roof replacement insurance claim. At Concord Roofing & Construction, we are your roof replacement specialists. We will advise you every step of the way to make sure your roof replacement insurance claim is submitted promptly. Our goal is to help you can get the maximum reimbursement for your roof replacement.
Beware of the fine print
When a roofing repair contractor offers a deal that’s too good to be true, that’s usually a red flag. What these shady contractors will do is give you a bogus inspection report that’s actually a contingency contract. Most roofing contractors will offer tips about how to get your insurance company to pay for a new roof. They will also provide a free roof inspection and estimate. But read the fine print and don’t sign anything. If you mistakenly sign one of these contracts, you could be stuck with that roofing contractor if your insurance claim is approved.
There’s no reason you should bind yourself to that kind of commitment before your roof replacement insurance claim is approved. Instead, make sure you’re just signing off on an inspection and estimate. That’s usually all your insurer will need to get started on processing a roof claim.
When you are compiling estimates for your roof insurance claim, you do not have to sign anything. Avoid roofers that try to pressure you during the estimate and inspection stage. Also, look for roofing companies that have a Better Business Bureau rating of an A- or better.
Beware of any fine print states:
You will owe a 20% cancellation fee if the contract isn’t cancelled within three days.
The contract is valid and binding if the insurance company is covering the loss.
The insurance payout should go directly to the roofing company.
Trust your roof insurance claim to the experts
When handled alone, roof replacement insurance claims can be a long, stressful ordeal. When you team up with a certified and well-known roofing contractor, they will go out of their way to help you get your insurance company to pay for your new roof. They will advise you about what roof damage documentation will required and guide you through the submission process, making the process quicker and easier for the homeowner. They will also make sure your roof replacement is done quickly and accurately.
The roof replacement specialists at Concord Roofing & Construction have almost 20 years of experience handling roof insurance claims. We hold several coveted certifications, including the GAF Master Elite. We offer a wide variety of replacement shingles with warranties ranging from 20 – 50-years. We are an approved contractor for the top manufacturers and even have a licensed insurance adjuster on staff. We also maintain a long list of satisfied customers who took the time to review our past performance. We are always happy to provide you with testimonials. Concord Roofing & Construction is your neighborhood expert when it comes to a roof replacement.
If your roof was recently damaged by a weather-related calamity and you suspect you might need a roof replacement, call our inspection team at 214-299-6110. We will inspect your roof at no charge, document the findings, and give you a free estimate to start your roof insurance claim.