It can be stressful to deal with roof storm damage. You probably have several questions and concerns about your homeowners insurance, especially if this is your first time filing a claim. In the event of storm damage to your roof, you can prepare yourself by knowing how to work with an insurance company to process your roof storm damage claim.
In this post, we discuss what you should know about working with an insurance company on your roof storm damage claim.
Records and Documentation
Take photos of the damage as soon as possible, and send them to your insurance company. This should be done before putting up a tarp or making any minor repairs to keep the house habitable so the adjuster can assess the extent of the damage. Take note of what was discussed, the date and the name of the representative with whom you spoke whenever you interact with your insurance company.
Dealing With Insurance Claim Denial
Some roof storm damage claims may be denied by the insurance adjuster. You can get a second opinion from a roof storm repair contractor or a public adjuster so your claim will be reconsidered. Make sure to only work with trusted professionals.
Insurers Approve Claims
The first thing you should do if you suspect roof damage following a severe storm is to contact your insurance company. After your conversation with them, the insurer will either dispatch an insurance adjuster or instruct you to contact a roofing contractor for an inspection.
The insurance adjuster is the only person who can approve your claim, regardless of which path the insurance company takes. A roofing contractor can inspect your roof for storm damage and advocate on your behalf so you can get the benefits you deserve. Nevertheless, even if a roofing contractor is certain that your roof needs to be replaced due to storm damage, the insurance adjuster still has the final say.
Entrust your residential and commercial roofing concerns with Ritco Group, Inc. Call us at (931) 381-0175, or fill out our contact form to book an appointment. We serve clients in Brentwood and Murfreesboro, TN.