If you are a homeowner looking for a trustworthy roofing company, there’s a good chance your property has been damaged in a recent storm. Due to the severity of weather, thousands of roofs are replaced every year due to hail and wind damage. These roof replacements are typically covered by most homeowners’ insurance policy.
Five Steps in the Insurance Claim Process
1. Get a roof inspection from a reputable, local roofing company
Many homeowners call their insurance company first; however, your roof may not have damage. In this case you may have this “claim” count against you anyway. Start with a free, no-obligation roof inspection and get a detailed inspection report.
2. If you have damage, make a claim with your insurance
With your inspection report in hand, you can file your claim on your homeowner’s policy with confidence. Your insurance company will likely ask you if your roof has already been inspected and if you have selected a contractor.
3. Have your insurance adjuster and your roofer inspect your roof together
When they inspect the roof together, they are more likely to be on the same page about what will be covered by insurance. This will save you a lot of back-and-forth phone calls. And you will be able to get the project started more quickly.
4. Schedule your roof replacement
Typical roof replacements take 1-2 days, start to finish. You are not required to be home when the work is being done.
5. Your deductible should be your only out-of-pocket expense
Your insurance company will cut you a check and once your roof work is done you will pay that to your roofing contractor.
