It can be stressful to discover that the home’s roof has become significantly damaged. Navigating an insurance claim can require substantial follow-up with roofing contractors, insurance adjusters, and even the mortgage lender. To ensure the successful handling of the claim, the team at Toledoroofrepair.com recommends that homeowners follow these easy tips.
Looking for Post-Storm Damage
If there’s suspected roof damage after a severe storm, the homeowner should call a licensed roofer for an inspection. Even if a roof looks good from the outside, there may be internal damage that only a specialist can diagnose. Some insurers have a time limit on filing roof damage claims after a storm; therefore, it makes sense to have the roof inspected as soon as possible after the storm subsides.
Document Damage-Related Details
A knowledgeable local roofer will know how to find and document damage. In many cases, they will provide photos and a written explanation of the necessary repairs. In some instances, the damage may be too slight to file a claim for Insurance Restoration, and the roofer will work with the homeowner to schedule repairs. However, other cases require a homeowner’s insurance claim along with proof of damage such as that listed above.
Find Out What’s Covered
When a homeowner deals with severe roof damage, they should call their insurer immediately as many have time and coverage limits on these claims. For instance, if the roof is more than a decade old, the insurer may only pay a portion of the replacement cost based on the roof’s depreciated value. Homeowners unsure of their coverage should consult the insurance provider for more details.
Choose a Roofer Who Works With Insurance Claims
If the damage is covered under a homeowner’s policy, the client can choose the local roofing contractor who will perform an Insurance Restoration. It’s best to get multiple repair estimates, so the customer can be sure they’re getting a fair price and good service. While some roofers offer claims assistance, others do not. Customers should choose a roof replacement and insurance specialist who can work with them to submit claims properly and get maximum reimbursement.
