To keep it simple, the answer involves a combination of information, preparation, documentation and hiring a professional roofer to work on your behalf. The reality is when it comes to roof replacement, whether resulting from old age or damage, involving insurance is necessary, yet not everyone is familiar with how to go about it. And those who have been through the nightmare of having to deal with the roof damage and trying to get their claim approved by the insurance company will agree: it’s very difficult to get an insurance company to pay for your claim. This is because if you don’t follow the proper steps when filing a roof claim, your insurance company may deny your claim simply because of an administrative error.
So what are the correct steps to get homeowners insurance to pay?
1. Assess the damage
If you have gone through a tough season be it winter or rain and you believe you need to have your roof replaced, take a minute to properly assess the damage. Look for things such as missing shingles, holes in your roof, and granules in gutters and run off in this time, if you’re able to, make sure to take extensive photos or videos of all damage to the exterior and interior of the roof. It’s important to submit well documented evidence to expedite and ensure claim coverage. Many claims end up being denied or under-estimated based on lack of quality evidence.
2. Know Your Roofing Insurance Coverage:
Most homeowners don’t thoroughly read their homeowner’s insurance policies simply because they can be tedious and entail a robust quantity of fine print. But, it’s very crucial that you comprehend where your insurance company stands in regards to, it’s roof repair and/or replacement cover. Most insurance agencies offer two kinds of roof insurance: repair coverage and replacement coverage. Repair coverage usually pays back the homeowner for a certain percentage of the costs of repair.
Replacement coverage, on the other hand, provides for the replacement of a roof that’s beyond repair. These policies are more expensive and make it harder to get a claim accepted. So it’s important to contact your insurance agent, as they will be able to tell you if your policy coverage will reimburse for the replacement cost, regardless of the roof’s age or only cover the depreciated value of the roof, which would mean you would have to pick up the difference.
3. Contact Roofing Companies
Gather estimates from various roofing companies to determine whether your roof needs specific repairs or total replacement. This will help you get a better sense of associated costs of roof replacement. Most real estate agents can suggest quality & reliable roofing companies that have experience evaluating roofs for insurance claims. In fact, most would be happy to help you with all of the insurance steps required. Plus, some if not most, can handle the bulk of the work for you, as they may already have insurance adjusters on staff.
4. File a Claim with your Homeowner’s Insurance within 30 Days!
Most states require a homeowner to make a claim within 30-60 days. Failure to make a timely claim is reason for claim denial. This is because when you fail to report roof damage immediately, you’re allowing the damage to worsen – and that’s at your expense. Once you and your agent have decided to file a claim, submit all relevant documentation. Once the claim has been submitted, the process can be arduous and time-consuming.
So, it’s important to stay on top of communication and provide the adjuster with as much information as possible from the start. Keep in mind, that if the estimate from the insurance company is too low or if the claim gets denied, you can always file an appeal.
However, if your roofing claim is approved, you’ll be able to start working with your chosen contractors to complete your new roof installation. Once your roof is replaced, it’s important to have it inspected more often. As routine maintenance will not only protect your roof but improve your chances of getting future claims accepted