Things to Know Before Filing a Roof Damage Insurance Claim
It's every homeowner's wish that they will never experience devastating roof damage. But life happens to the best of us, and that’s why you have homeowners insurance as a saving net in the case of roof damage.
Still, filing a roof insurance claim can be a daunting process. After all, it’s something you’ll hopefully only have to do once in your lifetime! Plus, it may not be in your best interest to file a claim for every roofing issue.
That’s why at Platinum Restoration, our roofing services include insurance claim assistance, because we have been through the process with our clients many times and know how to streamline it. We’re here to provide personalized support for you after roof damage, so don’t hesitate to reach out for your free estimate!
Our team is ready to help you navigate your roof damage claim from the moment you contact us, but here are some quick tips in the meantime.
1. Be Quick About It
When dealing with a roof damage claim, timing is key. Do not sit for days before trying to take note of what happened to your home. Be prompt to assess the damage, get an estimate, and file your roof damage report.
2. Assess & Document the Damage Yourself First
Immediately after you experience roof damage, assess the damage from the ground, take photos, and write down notes. Doing this enables you to have the exact details of the damage before contacting your insurance company.
3. Review Your Insurance Policy & Contact Your Provider ASAP
Some homeowners are in the habit of not paying close attention to the provisions of their insurance policies. Unfortunately, this leaves them in the dark as to what their policy covers and what it does not.
Reviewing your insurance policy will let you know if roof damage is covered, whether or not your policy excludes some forms of roof damage, and if the coverage is for roof replacement cost or actual money value.
4. Get Your Own Professional Inspection
The insurance company will require evidence that you have a claim, so they will send an adjuster to get a look at the damage, and they may have roofing companies that they recommend. However, you have the right to hire any reputable roofing company you prefer, and it’s recommended that you have them do an inspection as well, to ensure that no damage is missed.
If you choose Platinum Restoration (here’s our service areas), we will document all the damage and walk you through what happens next, so you can make the most informed decision about whether or not to follow through with filing a claim. We will be present when the adjuster does their inspection to answer their questions and make sure all damage is documented.
6. Keep All Correspondence for Reference
For reference, ensure you keep every correspondence from your insurance company and contractor(s). Keeping correspondence up to date will save you if it ever gets to a point where there is a conflict with your insurance company and coverage.
Need Roof Damage Assistance Near the Twin Cities?
Platinum Restoration has you covered! From roof repair to replacement and windows to siding, your exteriors are in good hands with our experienced team.
Get a free online estimate or call 763-244-1474 today!