If your home has been damaged by a storm, it is important to know how to file a roof insurance claim. Filing a claim can be confusing and frustrating, but it is important to make sure that you are doing everything correctly. In this blog post, we will walk you through the process of filing a roof insurance claim. We will provide you with tips and advice on what to do and what not to do. Let’s get started!
Do you have a valid roof insurance claim?
The first step in filing a roof insurance claim is to determine if you have a valid claim. There are a few things that you will need to take into account, such as the age of your roof, the type of damage, and the cause of the damage. If you are not sure if you have a valid claim, you can contact your insurance company and they will be able to help you.
What is covered by your insurance?
The next step is to understand what is covered by your insurance policy. Every policy is different, so it is important that you read over your policy carefully. Generally speaking, most policies will cover damage caused by severe weather, such as hail or wind. However, there may be some exceptions, so it is important to check with your insurance company. Below is a list of what most insurers will cover:
- Fire
- Hail Damage
- Wind
- Vandalism
- Lightning strikes
- Falling objects
- “Acts of God”
What is generally not covered by your insurance?
- Your roof is too old
- The damage was intention or accidental and caused by the homeowner
- The damage on the roof was from poor maintenance
How to file a roof insurance claim
Once you have determined that you have a valid claim, it is time to start the process of filing a claim. The first thing that you will need to do is contact your insurance company and let them know about the damage. You will need to provide them with basic information about the damage, such as when it occurred and what type of damage it is. Once you have done this, you will need to wait for their adjuster to come out and inspect the damage.
What to do after the adjuster arrives
After the insurance adjuster has inspected the damage, they will give you an estimate of the cost of repairs. If you agree with the estimate, you will need to sign a release form. Once you have signed the release form, the insurance company will send out a check for the amount of the estimate. If you do not agree with the estimate, you can negotiate with the insurance company or hire your own contractor to do the repairs.
How to prevent roof damage
The best way to prevent roof damage is to have your roof inspected on a regular basis. You should also make sure that you are doing everything you can to keep your roof in good condition. This includes keeping trees and shrubs trimmed away from your home, as well as cleaning your gutters on a regular basis.
Roof insurance claims can be confusing and frustrating, but it is important to make sure that you are doing everything correctly. By following these tips, you can ensure that your claim is filed correctly and that you get the money you need to repair your roof.
