A Homeowner's Guide to Filing a Roof Damage Insurance Claim

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A Homeowner's Guide to Filing a Roof Damage Insurance Claim

Big storms can sweep through any area, and when this happens, homeowners often find damage to the roofs on their homes.

Is this what happened to you? Can you see damage on your roof, or do you suspect there may be damage up there?

If you have homeowner’s insurance, you might be able to get the roof repairs you need without having to spend a lot of money out of your pocket. To do this, you’d need to file a roof damage insurance claim.

Storm damage to a roof is a covered peril with most home insurance policies. If you would like to learn how to handle proceeding with a claim for roof damage, here’s a guide to help you understand what you should do.

Review Your Policy

A good place to start is taking a quick look at your current insurance policy. If you have structural coverage, which is a normal part of a policy, then your policy covers storm damage.

Storm damage can occur from hail, high winds, and other types of perils. If a storm hit your roof and left damage, it likely occurred from either hail or high winds.

If you’re not sure what your policy covers, you could contact your insurance company and ask, or you could contact a roofing contractor.

Contact a Roofing Contractor

Calling a roofing contractor is the easiest way to handle a claim for storm damage to your roof. When you make the call, they will schedule a visit to your home.

Once they arrive, they may ask you a few questions about the storm, such as when it occurred and the damage you know about. Next, they will climb up on your roof and take a peek.

Experienced roofing companies not only know how to assess roofs for damage, but they also know how to work with insurance companies.

The company you hire may handle all the work for you. They will document all the damages they see on the roof of your home, and they will ask you for your insurance information.

They’ll handle making the call to your insurance company to work out the details of the claim. It doesn’t get much simpler than this.

File a Roof Damage Insurance Claim

If you decide to go through with filing the claim, you may need to contact your insurance company yourself, or they may contact you. In either case, this will get the ball rolling.

The insurance company will need to send out an adjuster to verify the damages and add up the costs of repairs before agreeing to pay your claim. If they approve the claim, though, they will pay the entire bill minus the deductible amount. 

You can hire the contractor that assessed your roof, and they will get the job done quickly.

Your Next Step

Are you ready to file a roof damage insurance claim? Do you need help doing this?

If so, we’d love to help you. Give us a call today to learn more about how this works.

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