An insurance claim for storm damage can wear you out– having to deal with the insurance company, insurance adjusters and roofing contractors. To ensure you can handle the travails of navigating between these entities and handle the insurance claim process right from start to finish, there are a few steps to ensure you do not fall victim to the claim game.
Look for damages on the roof immediately after the storm:
You should look for damage to the roof immediately after the storm. Depending on the severity of the damage, you may want to have repairs done on your own dime or opt to file a claim. Note: Some insurance policies have clauses that maintain the period you can wait and still have the roof covered for the claim. It may happen that the insurance company refuses to honor the insurance policy on grounds that proper maintenance of the roof was not taken.
Take pictures related to the storm damage:
Obviously, it’s a good idea to document how the storm damaged your roof. Take photos with date and time stamps, and/or use a drone to get pictures. These photos can be used as visual evidence of what happened to the roof after the storm hit.
Read the fine print in the insurance policy:
Based upon the devastation of the fire, your roof might require extensive repair. Keep a current copy of the policy handy to be aware of the basic tenets listed in the policy and always read the fine print, so that you are not caught unaware regarding the roofing insurance coverage. As you submit your claim, the insurance adjuster will inspect the damaged areas and come to a conclusion that determines the exact cost of the roofing repairs that need to be undertaken.
Hire A roofing inspector with insurance expertise:
When you have been advised to repair the roof by the insurance company, it is advisable to utilize a roofing inspector who is familiar with insurance claims. S/he will help you with every nuance of the roof damage claim and submit the insurance policy to the insurance panel in order to derive the maximum possible reimbursement for roofing repairs or replacement.