Roof Claim Process

Maintain it and make repairs as needed.

Roof claim process.

Your roofing contractor should be able to help you navigate your way through the roof insurance claims process. Have a professional roofing inspection before calling your insurance provider. After all you have to not only make sure your property is safe for people to enter you have to navigate the entire complicated roofing insurance claim process that involves insurance adjusters contractors with expertise in the specific type of roofing system that you had and in many cases your own insurance and mortgage companies. If you have roof damage that needs repairing you have to file a claim with your homeowners insurance company.

Filing a roof damage insurance claim. To ensure approval of your claim keep records of repairs before and after photos and reports from inspections. Meanwhile the roof of an unattached structure on your property such as a shed or detached garage may be covered by the other structures protection in a homeowners insurance policy if the damage is caused by a covered peril. Not all jurisdictions require licensing of roofing contractors.

Roofs that are over 20 years old often have limited coverage if any. The first call should always be to the claims office after a roof inspector evaluates the roof for damage. Be sure to take as many pictures as you can of the roof damage. If eligible your claim handler can explain the details of the roofing services program and determine if the program is available in your area.

If you choose hd roofing and construction as your contractor we will assist you in the process of gathering and providing information to your insurance company. Here s an inspection schedule. This is critical for a number of reasons. Professional roof inspection.

Ask the inspector to document the condition of your roof with pictures and a written signed evaluation of the roof s condition. Have your roof inspected regularly. If the contents of your home are ruined as the result of a covered roof claim personal property coverage may help pay to repair or replace them. You can expect the entire process to follow this cadence.

Ask your claim handler if your claim is eligible for the state farm premier service program and the roofing services program. Some roofing companies employ certified public adjusters who will deal with your insurance company on your behalf. Intro to this roof claim process guide. The insurance claim process.

There is no need to be intimidated by the insurance claims process it s actually quite simple. Navigating the process of filing a claim can vary slightly by insurance company but generally the steps include. If you can show that you kept your roof in good condition and suddenly it s a mess after a storm you ll have a strong case.