Roof Claim Process

The insurance claim process.

Roof claim process.

Some roofing companies employ certified public adjusters who will deal with your insurance company on your behalf. Filing a roof damage insurance claim. Not all jurisdictions require licensing of roofing contractors. If you have roof damage that needs repairing you have to file a claim with your homeowners insurance company.

Give us a call today or fill out our online form now to request your roof inspection. Have a professional roofing inspection before calling your insurance provider. Get references as well as certificates of insurance both liability and workers compensation and verify they are active when your work is scheduled. Roofs that are over 20 years old often have limited coverage if any.

To ensure approval of your claim keep records of repairs before and after photos and reports from inspections. Ask your claim handler if your claim is eligible for the state farm premier service program and the roofing services program. This is critical for a number of reasons. 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.

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 choose hd roofing and construction as your contractor we will assist you in the process of gathering and providing information to your insurance company. If eligible your claim handler can explain the details of the roofing services program and determine if the program is available in your area. There is no need to be intimidated by the insurance claims process it s actually quite simple.

Ask the inspector to document the condition of your roof with pictures and a written signed evaluation of the roof s condition. Be sure to take as many pictures as you can of the roof damage. Look for contractors with extensive experience in providing roof estimates for insurance claims and helping clients navigate the process of getting their roof repair or replacement covered by their insurance company. You can expect the entire process to follow this cadence.

Maintain it and make repairs as needed. 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. Your roofing contractor should be able to help you navigate your way through the roof insurance claims process. The first call should always be to the claims office after a roof inspector evaluates the roof for damage.

Here s an inspection schedule. Professional roof inspection. 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.