Your roof is one of the most critical components of your home. It’s responsible for keeping you and our family safe from damage caused by outside forces, like hail, storms, or tornadoes.
Due to this, most homeowner’s insurance companies have a vested interest in keeping your roof intact. Some insurance companies will cover the repairs for a damaged roof, dependent on the cause. For example, most homeowner’s insurance policies cover roof damage caused by natural disasters like tornadoes or hurricanes, fires, or vandalism. Other causes may only be covered if your home’s roof falls within specific age parameters.
Unfortunately, filling insurance can be a tricky field to navigate, especially when emotions are high after a disaster strikes. Today, we hope to give you a little insight on how to file an insurance claim for your home’s roofing system so that you are prepared when that day comes.
First, you need to determine what exactly is covered by your policy.
It is recommended that you contact your insurance provider and discuss the specifics of your policy with them. Your insurer can give you the most reliable information regarding what exactly will be covered in the event of a claim.
Depending on the age of your roof, you might only recoup a portion of the cost and be left to pay the rest out of pocket.
For example, if your roof sustains damage in a storm and it’s more than ten years old, it’s unlikely that you’ll receive compensation for the full price of repairs. However, if your roof is five years old or less, they may pay to repair or replace the entire roofing system.
The only way you can be confident in what will be covered is by discussing it with your insurance provider.
What Does The Insurer Need?
It’s always a good idea to take care of roof damage promptly. To do this, you should give us a call for an inspection right away, and our professionals can go over your roof quickly and document any signs indicating the need for repairs.
Be sure to gather photographic evidence as well as written documentation. Once the damage has been verified and documented, you need to promptly get this information sent to your homeowner’s insurance company.
Choosing A Contractor
When the time comes to repair or replace your roofing system, you need to make sure that you’ve chosen a roofing company with experience working with homeowner’s insurance companies and claims. Sometimes your insurance company will require you to work with certain roofing professionals, but the majority of the time, you’ll be able to opt for the roofing company of your choice. Either way, you need to make sure that your roofing company knows how to navigate the documentation required for the insurance claims process.
If you think your roof may have sustained damage, the first thing to do is get it inspected. Once that’s done, file your insurance claim so you can get to work on those repairs as soon as possible.
Give Rainout Roofing a call today for all your roofing insurance claim queries.