Storm Damage and Your Roof
We know our roofs are vulnerable to the weather. So if you live in an area where storms are more frequent or bad weather changes occur, you should have proper roof insurance on your building. When purchasing insurance, it is always advisable to check with your insurance agent about your policy's coverage. When a storm does damage your home's roof it is crucial to have all the damage remedies before any additional problems arise. If you are living in an area like Texas where storms create a lot of damage occur frequently, ask your agent to explain clearly what are covered in such catastrophic scenarios.
If a storm or any other weather changes does create a roofing problem you must decide how you will go about making those repairs in a timely manner. When storm does only very minor damage, which could be repaired by a professional roofing contractor, it would be best not to claim insurance.
How to File an Insurance Claim for Roof Hail/Wind Damage
If you suspect your roof is damaged during a storm, the first thing to do is contact your insurance company. And also call a trusted roofing contractor for the inspection so that can tell how much damage has been caused and how soon you should start your repairing. If you decide to get several opinions from qualified roofing contractors/companies, when meeting with them to inspect your roof, spend some time getting to know them and ask about the service they provide. Get business cards and any information they provide about the roofing process that they use.
When contacting your insurance you will need to ask about their policy regarding the filing of roofing insurance claims for storm damages. Your agent will advise you in proper procedures and deadlines. Explain to your insurance agent, in detail exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It's important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for storm damage.
After the initial contact with your insurance agent, you should receive a letter or telephone call from their department , which handles roofing claims for storm damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until you hear from your insurance agent. The adjuster may, however provide you with an estimate on the cost to repair any damage that your roof has sustained during a storm.
Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional roofing contractor. Make sure to take in consideration a company's reputation and not just the price or discounted rates they're offering you. Then after choosing your contractor, tell him about your insurance company policy and how they are going to pay for your roof damage. You will most likely get enough, less your deductible, to complete the work. If it's not enough, your contractor should help you dispute the amount based on the work needed. Don't be alarmed if your insurance company depreciated the amount allocated for repairs because of roof age. They are just holding back some of the money until the work is complete. So, if they hold back a certain amount for depreciation and the actual cost of work is a little more than they sent you, all you have to do is send them a letter of completion from your contractor with the exact amount when the work is done and they'll send you the difference. And that's it; a new roof for the price of your deductible!
Power Roofing Corp has experience in working with the insurance claims from different insurance companies and we are happy to assist our customers with free roof inspection and insurance claims.