The first line of security against the natural elements is your roof. Heavy snowfall, electrical fires, falling limbs, moisture intrusions, and damage caused by animals such as squirrels that can scratch their way into your attic and take up residence are all threats to your roof. It can be tempting to begin repairs right away after a storm or other catastrophe damages your roof in order to keep your family and all of your belongings safe and dry. While you don’t have to wait until your insurance company pays out to be exposed to the elements, it’s critical to take the proper measures before scheduling or completing any repairs to ensure you can show the cause and extent of the damage and get the most out of your claim. Fortunately, most insurance companies value your roof as much as you do, and most homeowner’s insurance policies cover roof damage depending on the cause.
How Do I Get Insurance to Pay for A New Roof?
- Locate a Reputable Roofing Contractor
Find one of the best local and licenced roofing companies that work with insurance claims if you don’t already have one in mind. If you pick a roofing contractor who uses roofing software, it will improve your whole experience because you will be able to picture portions of your damaged property ahead of time and email them to the contractor, who will then be able to relocate the images to your case profile. He can keep track of your insurance information and retrieve it quickly. Damage to your home that you may have noticed can be discovered using overhead photos.
- Have Your Roof Checked
Next, arrange for a roof inspection by a professional to check and document the damage. They will take numerous images in order to “present a case” for adequate roof repairs.
- Make Temporary Repairs Before Beginning The Claim Filing Process
If necessary, have your roofer make interim repairs to your home to prevent further damage. This is the homeowner’s obligation, but you should keep the invoices for supplies so you can submit all documents to your insurance provider for compensation later. Getting a professional to undertake a preliminary inspection is always a smart idea because it will confirm what the insurance adjuster discovers.
- Arrange A Visit For An Insurance Adjuster
Contact your insurance company once your roofing contractor has confirmed the damage. The adjuster should visit your property within a few days. Let your contractor know when the adjuster will come to your home to conduct the inspection. It’s critical that they’re present to point out areas of worry and harm.
- Take Down Some Notes
Takedown a few notes while the adjuster is with you, including the adjuster’s name, details of the date and time of the visit, and the claim number. As a result, you and the insurance provider will be able to communicate details regarding your claim more easily and quickly in the future.
- Know All Of The Job’s Specifics
The insurance company will give approval about whatever roof work is required once the adjuster inspects your property while your contractor works with the insurance company to ensure that everyone understands the scope of work.
- Repair Estimate from Insurance
The insurance provider will provide a repair estimate as well as the finances required to cover the repairs or replacement of the roof.
- Now It’s Time To Start To Work…
Your roofing contractor will schedule the start of the project and place an order for the materials required. These materials will be sent to your home before the project begins.
- How Do You Make Payments?
Roofing contractors are usually compensated after the job is completed. If you have a mortgage on your house, the settlement cheque from the insurance company will normally be made out to both you and the mortgage lender. As a result, mortgage lenders have equal access to insurance checks.
Overall, both your roofing contractor and your insurance provider want your new roof to be of the highest possible quality, and your insurance coverage should reflect this.
