Getting Your Insurance to Pay for Your Roof
Roof replacement insurance is part of your homeowner’s policy, but will insurance pay for a new roof if you need one? With the storms we see in the South, it’s not uncommon for a homeowner to file a damage claim. However, ensuring insurance covers it is a different story. Dealing with companies when you need to file a claim can often be the worst part of managing roof damage. Here’s how to get insurance to pay for roof replacement.
Document the Damage
Don’t wait weeks after a storm to document any damage to your roof. As soon as it’s safe, get video and photos of any damage you see to the gutters, shingles, roofing materials, or flashing. Whether or not the insurance company needs your photos, having proof is never a bad idea. Be sure to capture images of damage to the roof itself and any interior damage, including leaks, water damage, or issues with your insulation. Include any information that might prove helpful, including the date and time of the damage and if others in your area also had the same experience.
Understand Your Insurance Policy
Annual reviews of your insurance policies, especially your homeowner’s insurance, is a great idea. If you haven’t done that recently, be sure to look at your coverage to see if your policy covers the damage to your roof. Every policy is different, and not all include full roof replacement or repair. You should be able to tell from your policy if your claim is legitimate and if your insurer is likely to cover it. Most policies that cover replacement require the roof damage to be severe enough that repair is not an option.
File a Claim
Filing a claim is a necessary part of the process when you need a new roof. The good news is that it’s easier than ever to submit a claim with most insurance companies. You can start with a phone call to your agent, or, in many cases, you can submit the claim online through their website.
Find a Reliable Roofing Company
Even before you file a claim, speaking with a roofing company or contractor is a good idea. They can do a thorough roof inspection and evaluation, can take the documentation photos for you, and will provide a report on the state of your roof as well as work with your insurance company on the claim process. Additionally, most insurance companies allow you to select a roofing contractor when you receive claim approval. You want to find one with licensing and insurance, good reviews online, and recommendations from friends and family. They should provide a free roof inspection, a free estimate, and assistance with handling all the insurance company details and information.
Don’t wait to act if you have roof damage after a storm or high winds. Start with a reliable roofing contractor who can determine the extent of the damage to your roof, help you with your insurance claim, and provide quality roof installation. Reach out to Premiere Roofing, the best roofing team in the region, for help with all your roof replacement coverage and professionals you can count on.