How to File an Insurance Claim for Roof Repair the Right Way

Amazing! How to File an Insurance Claim for Roof Repair the Right Way

Information about How to File an Insurance Claim for Roof Repair the Right Way

Phil Puccio

Filing an insurance claim for a roof repair can seem intimidating and like something you may feel a little unprepared for. You may have heard stories about how difficult it can be for insurance experts with technical details to deny your claim. It can also easily happen if you don’t report the damage properly. This also applies if your policy covers the damage at all. Often times it is best to just continue with the repairs and forego risking your insurance coverage. A professional roofer, particularly experienced in storm damage assessment, can assess the condition of your roof and give you a better idea of ​​whether your insurance company is ready to pay for repairs. Often times, these reviews are a free and not mandatory service.

These tips will help you insure as much damage as possible.

Document what caused your roof damage

Roof damage often occurs in storms. If possible, take photos and make a note of when the storm occurred. The most helpful photos show the damage, such as dangling, wrinkled shingles or areas where shingles may be missing. Leaks from the ceiling in your home. Take photos of hailstones such as B. with coins, sports balls, measuring tapes for the size perspective. Also, snap photos of fallen trees or damage to your car or siding. It can also be a good idea to check with the neighbors to see if you can take photos of damage to their homes.

Always make sure to take photos with the time and date documented. This will help back up your case that the storm occurred on a specific day. Also, write down any relevant details supported by local weather service reports. These are the kinds of things that make it hard for insurance to disprove. In fact, it gives them a reason to quote more accurate prices when you include them in your claim.

It’s also a good idea to remember to take a few photos during a storm, even if you don’t notice damage right away. If you discover a leak later, you have a better chance of backing your claim.

Check what roof damage your insurance policy covers

Not all home insurance is created equal. What damage does yours cover in a storm? You may have to dig a little further to find out. Unfortunately, insurance coverage is not the same as a maintenance plan. Maybe you need a new roof without suffering a catastrophic event. Quality shingles will last 15-20 years or more, so there is a pretty good chance you will suffer some damage at some point. Whether it is sufficient to justify a complete roof replacement – or even to justify a complaint – depends on the situation.

Most importantly, neglecting roof maintenance can result in zero coverage even if a disaster strikes. This way, insurance companies avoid the cost of repairs. If you’ve ignored cracked, corrugated shingles, missing soffits, damaged underlays, or rusting gutters, insurance could say poor maintenance is putting your roof at risk. In this situation, too, hiring a professional company can help, as the professionals can weigh the damage to other houses in your neighborhood.

Work with a professional expert to come up with a quote

Before filing your insurance claim for repair, it is of the utmost importance that you check with a reputable roofing company so that you actually know what the cost of repairing any damage will be. Some insurance companies in the past have undercut consumers by allocating just enough funds to replace your roof with poor quality materials. Submitting a cost estimate can speed up the claims process by avoiding unreasonable restrictions.

After a major storm, your area may be teeming with amateur roofing companies – or worse, scammers. Make sure you are working with a reputable company. Do your research. Check out the local BBB. Look for reviews online. It is always important to do your due diligence. In Texas, many people don’t realize that a license is not required to complete rooftop projects. As a result, there are all kinds of unreliable roofing companies out there who may be trying to make quick money out of your situation.

Consider filing an insurance claim for repairs

The cost of a full roof replacement could exceed $ 20,000, but not all roof repairs are that expensive. A small $ 3,000 partial replacement or patch job might not be worth making a claim. There are some considerations:

  • What is your deductible
  • What is the total cost of the repair
  • Whether you have already made claims

In theory, you should be able to make a claim if your home needs repairs while it is covered by your policy. However, it is important not to overstate the claims as this may give your insurer red flags. Worse, your claims history is stored in a national database and new insurance companies may refuse to accept you or charge you a defaulted rate. Experts often suggest paying out-of-pocket for repairs until they hit $ 5,000.

If your insurance company rejects your roof repair insurance claim

When you receive a rejected claim from your insurance company or receive an unfair offer for a low severance payment, homeowners feel intimidated and scared. However, the reality is that you don’t have to accept it.

make contact Texas Association of Public Insurance Adjusters (TAPIA) to find a professional to help you appeal the decision. Alternatively, you can hire a lawyer. Either way, the fees for their work come from a settlement so you don’t have to pay them any money up front.

You can also minimize your risks and greatly increase your chances of filing a roof repair insurance claim by hiring Rebuild Texas Roofing and Windows for your initial damage assessment. We know everything about the claims process for umbrella insurance and even have our own public adjuster in-house, who ensures that you get what you deserve. Contact us today at 888-314-5091 or schedule a viewing by clicking here. We are BBB A + rated and have thousands of reviews from satisfied homeowners around here.

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