How to file an insurance claim when your roof is damage?

All Weather Project

Your home is your most expensive investment, and your roof is part of your home’s foundation. What happens when your roof hit by severe storms, high winds, heavy rain, and natural disasters, your roof may show signs of damage. Inspect your roof’s exterior for water marks or possible leaks. If necessary, go to the attic and look around the interior walls for discolored wallpapers, peeling paint, flaking plaster, or stained wood. Any of these signs are true indicators of a damaged roof. Don’t take your roof for granted.

Follow this simple steps:

  1. Contact your roofer to inspect and analyze the damage.
  2. Decide if you would like your roofer to represent you in the claims process. If you do decide to move forward in the claims process with your roofer, you will then need to contact your insurances’ claims department and let them know who you have arranged to represent your case.
  3. Next, explain the storm damage to the insurance company and the approximate date of loss. Inform them that your roofing contractor has already examined the property and confirmed the damage. A claim number will be issued to you for you and your roofing contractor representative.
  4. An insurance adjuster will be scheduled to come and examine your property damage. Your roofer will be present at that time to thoroughly discuss the damage that occurred and guarantee that everything necessary to get your property back to its original condition is included. Often times, the insurance adjuster may inadvertently miss damage or not be able to take photos that accurately represent the damage.
  5. Finally, when you are ready to begin repairs, you will have to meet your deductible.

Roofs provide shelter from the heat, the rain, and the cold. Just as your roof protects you, your job is to protect your roof.

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