A well-installed asphalt shingle roof should protect your home for a minimum of 12 to 15 years, but a severe storm can alter that in a single evening. If your roof has been damaged due to a storm or hail, it is crucial to file an insurance claim promptly and have it repaired as soon as possible. However, the process of filing an insurance claim can be complicated, and a delay in settlement can occur if not done correctly.
Here are eight steps to keep in mind when you are ready to file an insurance claim for roof damage:
1. Evaluate the damage to your roof:
Before filing a claim, you must assess the damage to your roof. You can do it yourself or hire a local roofing company to assess the damage for you, and they may provide a detailed report of the problems with your roof and what needs to be done.
2. Understanding your insurance coverage:
To file a claim, you must know what your insurance policy covers. Review your insurance policy to ensure that damage to your roof is covered, and take note of any relevant details such as what types of damage are covered.
3. Document the damage:
After evaluating the damage, provide the necessary documents to your insurance agency to validate your claim. Take photos of all the damage, fill out a detailed report of everything that’s damaged, and include the date of the storm that caused the damage. Also, document any interior damage caused by the roof damage. If you have photos of your roof prior to the damage, it can be helpful to provide them to the insurance company.
4. Contact your insurance company:
Contact your insurance agent as soon as possible to find out how to file a claim. Depending on your policy, you may need to notify your insurance provider within a specific timeframe after the damage occurs. When talking to your agent, find out the insurance company’s procedures for roof repairs and replacements.
5. Hire a local roofing company:
You will need to meet with a local roofing company and get a written estimate of the cost of replacing your roof. If your roof requires a complete replacement, make sure the report mentions that basic repairs will not suffice.
6. File the claim:
With the help of your insurance agent, file a claim using the claim form provided by your insurance company. Make sure you include all necessary information and evidence for the insurance company to accept the claim. If there is interior damage, include receipts for damaged furniture and an estimate of the cost to repair the interior. If you have to stay in a hotel during the repairs, include that cost in the claim.
7. Meet with an insurance adjuster:
An insurance adjuster will need to visit your home to assess the damage and validate your claim. If possible, have the contractor you have selected present during the adjuster’s visit to discuss the repair needs.
8. Replace the roof:
Once your claim is approved and the settlement amount is sufficient to repair the damage, it is time to hire your chosen local roofing company to replace your roof.
