An insurance policy on your roof safeguards you from the economic losses and stress associated with replacing or repairing your roof after it has been damaged. However, the process may present challenges to new or recurring claims from households that do not understand or ignore the essential details of filing a claim.
If you have had trouble when you filed your claim or want to ensure that the process does not lead to denial or undue processing, see some significant details you must establish to increase your claim’s compensation and accuracy.
Your insurance company will request an assessment of the severity of the roof damage to determine the amount they will compensate. You should ensure that you honestly review and record all damage and show how it affected your repair or replacement costs, which will establish sufficient proof to back your claims.
When your contractor or the insurance company inspector visits your home, take videos or photos and attach them to the digital or physical claim copies you send to your insurance companies. Accurate assessments increase your compensation claims and reduce any chances of inaccurate or misleading information that the company may use to deny or minimize your claims.
Additionally, ensure that you contact an inspector immediately as it will help your case when identifying the type and extent of damage and how it affected your repairs.
Cause of Damage
Most insurance policies cover natural events like wind, storm, snow, and hail damage. Weather conditions can compromise the integrity of your roof when they break roof tiles and shingles, break or weaken roof supports, or clog drainage gutters. These types of damage can create legitimate insurance claims.
However, other causes such as incorrect installation, repairs from unqualified or uncertified companies, and negligent treatment of any roof components will make your claim more challenging to process and administer. Therefore, you must ascertain that the company providing you with your roof installation, maintenance, and repair has the right qualifications to handle such projects.
Furthermore, you should inspect your insurance policy before filing a claim to ensure that the specific damage enacted on your roof was covered by the policy. A complete understanding of your policy will help eliminate any doubts when you contact your insurance company.
Cost of Repairs
You must consider the cost of repairs when you file an insurance claim. The extent of the damage to your roof will impact your costs, as severe damage may require a complete roof replacement rather than simple maintenance like removing and installing missing and broken shingles. Moreover, your roof contractor may determine that your roof requires more attention than you individually assessed, which may impact your budget and insurance claim.
Your policy may have a deductible that you will need to pay before your insurance company begins to pay for repairs. You will also need to consider whether or not you have the money to pay for repairs out of pocket. If you do not have the money to pay for repairs, you should consider a credit facility or a loan to cater for the repairs.
Before you file your claim, ensure you have the total cost of repair and understand how your insurance policy covers you. If the extent and cost of damage exceed the covered amount, you might receive a portion of the repair costs and settle the rest based on any agreements with your contractor.
Insurance claims can challenge your household since insurance companies must establish how their policy affects your compensation, as well as determine the accuracy of your claims to prevent insurance fraud. A professional contractor can assist you with the details and ensure you complete the process with accurate claims and assessments.
If you would like assistance with your insurance claim, contact us at Old Line Roofing & Solar.