A Guide to Spotting Roof Damage – Part 3: Tips on Insurance Claims to Make Roof Restoration More Manageable

There’s no helping it; once the damage has been done to your roof, repairing or replacing it will cost a lot of time and resources. It’s possible to cut down losses with an insurance claim, but filing a claim can be tedious. Here are some tips to keep in mind to make the process move along smoothly:

1. Don’t wait for an inspector

Having a pro take a look at the damage to your roof is a necessity whenever insurance is to be claimed, but it will certainly help if you’re proactive and try to find out as much about the damage ahead of time so that you can brief the inspector thoroughly on what to expect. This not only speeds up the inspection process, but could also help you spot problems not covered by your insurance policy, which you’ll also need to get fixed.

2. Know what is covered

Different policies offer varying degrees of coverage depending on certain factors such as the age and value of your roof, the cause of damage, and even how bad the damage is. Get in touch with your insurance provider to get a better idea of what to expect.

3. Provide documentation

Having as much information about the damage can help speed up the process, so be as detailed as possible when making a claim. If you can, take photos of the damage or any maintenance and repairs on your roof. You should also have copies of repair/replacement estimates, and invoices related to restoring your roof.

4. Hire someone familiar with insurance claims

Hire roofing contractors that have experience in providing estimates for insurance claims. They’d be the best people to hire to help you with your insurance claims. Some roofing contractors even have Certified Public Adjusters who can deal with your insurance company on your behalf –  which is a good thing, especially if you’re totally unfamiliar with the process.