What You Need To Know When Submitting An Insurance Claim for Roof Damage
As we enter into another hurricane season, it’s important to consider how you might need to submit an insurance claim should your roof sustain any damage due to high winds and fallen trees or debris.
Filing an insurance claim can be a frustrating process – but the following are five tips that can help you get coverage for as much damage as possible.
Document what caused the roof damage. If possible, take photos of the damage right after it occurs. Be sure to capture details such as hanging, missing, or rumpled shingles or wet spots on the ceiling in your home. Also, take pictures of fallen trees or branches that have caused damage.
Determine what roof damage is covered by your insurance policy. Unfortunately, not all insurance policies provide the same coverage. It’s important to read your policy thoroughly before you pick up the phone to report a claim. You also want to consider what your deductible is worth before filing a claim. If the damage isn’t significant, you might be able to fix it for less than the deductible.
Determine how much your roof is worth. A roof will depreciate with age, so it’s important to review your policy to determine whether you’re covered for the Actual Cash Value (ACV) or Replacement Cost Value (RCV). Premiums tend to be lower for ACV policies, but remember that coverage will only pay for what the roof is worth at the time of loss. The savings might not be worth it if a bad storm causes your roof to be totally replaced.
Make sure you have all the necessary documents when filing a claim. Documents are critical when filing an insurance claim. You’ll need a copy of the insurance policy, warranties, a well-written explanation with pictures and videos of the damage, and an estimate of the repair/replacement cost.
Get a roof replacement estimate from a trusted roofing company. Your insurance company will typically send a claims adjuster to your house to verify that the damage is covered and estimate your settlement amount. Since adjusters represent the insurance company, not you, they will be looking out for the company’s best interest during the claim settlement process. To be safe, consider getting an estimate from a licensed and trusted roofing company before the adjuster’s visit.
You can also reduce your risks when filing an insurance claim for roof repair by hiring Noland’s Roofing to complete your initial damage assessment. Schedule your appointment with us and we’ll be happy to come out to your home for a complete and thorough inspection.