If you have recently experienced roof damage, it’s important to know how to file a roofing insurance claim properly. Mistakes can delay the process or even result in their claims being denied.
By following the proper protocol, you can ensure a smooth experience for you and your family. Keep reading this Nations Best Roofing & Construction blog post for tips on how to get started!
Assess Your Roof Damage Without Making any Changes:
First, examine your roof damage closely. If you have any broken shingles or missing pieces, make a note of it. Inspect for any leaks or water damage in your home. You must not make any repairs before filing your claim, as this could void your roofing insurance claim.
Determine What Your Insurance Covers:
Next, you’ll need to examine your insurance policy and determine what is covered. In most cases, roof damage is covered under your homeowner’s insurance. However, it’s important to check with your provider to be sure. Once you clearly understand what is and isn’t covered, you can begin the claims process.
Gather Documentation and Photos:
Now it’s time to start gathering the necessary documentation for your roofing insurance claim. Your insurance company will likely require an estimate of the repairs needed and photos of the damage.
If you have any receipts related to previous repairs or maintenance on your roof, be sure to include those as well. The more documentation you have, the better. It’s also important to note when the damage occurred, as this can help your insurance company determine if a covered event caused it.
Reach Your Insurance Company and File a Report:
Once you have gathered the necessary documentation, file a report with your insurance company. It is usually done online, but you may need to call or visit your local office, depending on your provider. When filing the report, include all the relevant information, such as the date and location of the damage. Also, include any photos or receipts you have.
After filing your report, it’s important to follow up with your insurance company to ensure everything is processed correctly. It is usually done by calling or visiting their office. Still, some companies also offer online tools for checking the status of your claim. Raise concerns with your insurance provider so they can be addressed on time.
Once your roofing insurance claim is approved, begin making repairs to your roof. Keep all receipts and documentation of the work that you have done. You will likely need to provide this to your insurance company when you file for reimbursement.
Depending on the scope of the damage, make some or all of the repairs yourself. However, if the damage is significant, you may need to hire a professional roofing contractor to make the repairs for you.
After making all the necessary repairs, you must submit a final claim to your insurance company for reimbursement for your incurred costs. Again, include all relevant documentation and receipts so your claim is processed quickly and without issues.
We hope this blog post has been helpful and that you now understand better what to do if your home experiences roof damage. Nations Best Roofing & Construction is here to help guide you through the process every step.
If you’re in the Claremore, OK area and need a free estimate for roof repair or replacement, don’t hesitate to give us a call. We look forward to hearing from you soon!