If your roof is damaged and you have to file an insurance claim, there are several things you need to consider. How you go about filing a claim can affect the outcome. As such, you must come up with a plan on how to ensure that you get enough for your roof repairs. Some things that may affect the outcome of your claim are the age of your roof and what caused the damage. According to Investopedia, roofs older than 20 years may be subject to limited coverage. Here are a few other things to consider when filing roofing insurance claims.
Identify How Much Damage You Have
Sometimes, it may not be easy to tell how badly your roof was damaged. Even people who were skeptical about getting coverage for their roof tend to get surprised when their claim is approved. The best way to get enough information to file a claim is to hire a qualified roof inspector. They’ll evaluate your roof and fill you in with all the necessary information. Roof inspections identify damage that you may not be able to see from the ground. For instance, hail damage, wind damage, or even cracked shingles.
Schedule a Visit by an Insurance Adjuster
Once the damage is confirmed, you should contact your insurance company. In a few days, they should send an adjuster out to your home. It’s important to let your contractor know when the adjuster is coming. They may wish to meet the adjuster as well. If necessary, it would be a good idea to encourage the contractor to be there. The contractor is in a better position to point out our damaged areas and other areas of concern.
Take Notes and Ask Questions
When the adjuster visits your property, you should take down some notes. Some of the things you should record are the adjuster’s credentials when they visit, and the claim number. You should also prepare a list of questions to ask to understand more about roofing insurance claims. For instance, you should ask if the damage that happened to your roof is covered under the terms of your policy. You should also find out how long you have to file a claim and how long it may take to process the claim. This information may be helpful when it comes to filing your claim.
Roofing contractors may not have any influence over the adjuster’s assessment. They also don’t have a lot of say over insurance policy matters. If you have any issues with how things are happening, the best you can do is take things up with the adjuster. Get in touch with Ultimate Improvements, LLC today. We would love to hear from you.
