Have you recently suffered roof damage at your home after a heavy storm or another unexpected event? If you answered ‘yes’, your home insurance policy might cover the cost of repairing or replacing your roof. 

Although only 5.7 percent of customers make a home insurance claim each year, knowing what to do when to do it in the claims process can make the difference between having your claim paid or denied. 

Read on to discover your guide to the roof insurance claim process!

Document Damage and Important Information

Whether you’ve got a potential roof damage insurance claim or something more, be sure you document damage and write down important information. Be sure to take pictures with a camera and have them date and time-stamped so that you know when they were taken.

Write down a description of what you observe and the contact information for any witnesses that may have helpful information about the damage. For example, document the name(s) of each neighbor that may have been present when your roof was damaged.

Remember that the sooner you discover this information, the better. The longer you wait to collect documentary evidence, the more likely it is that the average person’s memory about the damage will fade. 

Solicit Estimates to Determine the Extent of Damage

Speak with licensed professionals in your area to determine the extent of damage to your roof. An experienced and licensed roofing contractor can help you identify the true cost and time it will take to get your roof back to normal.

These bids will also give you a better idea of whether what your insurance company offers will be the fix you need. If the damage is severe enough so that it causes an imminent danger to your family, perform any temporary fixes to ensure, your family remains safe. 

Perform a Policy Review

Before you make an insurance claim, you should look over your policy. This will help give you a better idea of if you should have coverage for your claim.

Roof damage insurance policies can be hard to understand. You may want to speak to a trusted friend, family member, or attorney to help you.

You’ll also want to consider the cost of your deductible before making an insurance claim. Your deductible is the amount you will spend to pay for your claim if covered under the policy.

The cost to repair your roof may be cheaper than making a claim, and having to pay a higher insurance premium later.

Report Your Claim 

Once you’ve decided that making a claim is in your best interest, call your insurer to report the claim. They will provide a claim number and other identifying information. Keep this information safe as you will need it later.

An insurance company will also schedule to have a claims adjuster visit your home. During their visit, an adjuster will make a preliminary finding of the cause and extent of the damage.

Depending on your policy and damage, the insurer may pay a licensed contractor to do the work. Other times, the insurance company may write a check to you to cover the costs.

The Importance of a Roof Insurance Claim

A roof insurance claim may seem hard at first, but you can make it a smoother process by preparing now. It can also help make it less likely that you will have your roof insurance claim denied.

At Ridgepoint Roofing, we are your source for roofing repair and replacement in the Atlanta metro area. We are a family-owned business providing the best service and quality work for over 30 years!

Contact us to learn more about our services and how we can help you with your roofing needs today!