Having trouble with your roof and need to make a claim? Hey, I know how that feels, and it’s not good. Your roof is super important! It keeps you and your family safe and dry and, if it’s leaking, needs to be fixed ASAP. In this short article, I’ll tell you how an insurance claim works so that you can make your claim and get your roof fixed right away. Let’s get started!
Step 1- Call A Professional Roof Inspection Company Before you call your insurance company you definitely should call a pro roof inspection company. They’ll be able to tell you exactly what’s going on with your roof and, more importantly, give you the documentation to back it up.
Step 2- Call Your Insurance Company
Now that you have proof that your roof is in bad shape, it’s time to call your insurance company and file your claim. Don’t be nervous, it’s their job to serve you.
Step 3- The Insurance Company Sends Out Their Adjuster
They have to do this. Be nice, let them do their job, and of course show them the findings you got from your professional roof inspector. They’ll perform their inspection and make their notes. My advice is to answer their questions politely but never give them any extra information. They will usually make an estimate the same day.
Step 4- You Get Your First Check
Yay! Money to fix your roof!
Step 5- Get Approval From Your Mortgage Company
If you have a mortgage on your home you need to send your insurance check to your mortgage company to have it endorsed. Do this quickly so that you don’t have to wait any longer than necessary to get your new roof.
Step 6- Hire A Roofing Contractor and Get Your Roof Fixed
The best step! You and your family will finally have a new, safe roof over your heads again! You can now breathe a deep sigh of relief.
Step 7- Complete the Supplement Process
This is an important step! You need to work with the supplement department at your contractor’s office to make sure that all of the specs on your roof project are accounted for and also accurate. Doing this will make sure that all of your roof repair costs are fully covered by your insurance company.
Step 8- Your Final Check is Cut
After you’ve completed the supplement process with your roofing contractor, your insurance company will send you your final check.
Step 9- Your Roof Insurance Claim is Done!
Congratulations, you know have a new roof and your insurance company has paid for it as they should! The last thing you need to do is make sure that you get your warranty paperwork from your roofing contractor. That way, if you have any problems in the future, they’re covered also.And that, my friends, is how a roof insurance claim works. Best of luck with yours and with your brand new roof!