Accidents happen, even on our roofs. Too often, homeowners pay for roof repairs out of pocket. however, once they learn how to get homeowners insurance to pay for a new roof, they can save money after accidental roof damage from storms, fallen trees, and other unexpected events.
Getting your insurance company to pay for a full roof replacement isn’t as easy as it sounds. Most homeowners insurance companies require their clients to go through a series of steps beginning with roof insurance claims. Unfortunately, the process can be complicated, cumbersome, and difficult to navigate without prior knowledge of your policy or how homeowners insurance works. Fortunately, we’re here to help.
1. read their policy
Before filing a claim, make sure you have coverage for roof damage. not all policies include roof repairs. If you need a copy of your policy, your agent can send one to you via email or the postal service.
Policies with roof coverage generally provide payments for repairs or replacement. if your policy has repair coverage, it might only be for a percentage of the costs. replacement coverage allows homeowners to use their insurance to pay for a new roof. to get this coverage, you must have a roof that is so damaged that it cannot be repaired.
2. prove your roof is damaged
Before you can file a roofing claim, take pictures of the damage. Your photos should be of the exterior damage to the roof and any damage you have to the interior of your home. if you can, use a ladder to get the closest photos of the roof damage. Also, consider using a drone camera to get the best views of the roof.
a local roofing company can help you with the photos. They can also give you estimates on your roof repair or replacement.
In addition to taking pictures of the roof, document the date and time of the damage. explain what happened, so your insurance company knows you’re not just trying to replace an old roof. If a damaging storm passed through your neighborhood, look for news articles documenting the event.
If your roof damage was caused by a tree, take several photos of the tree from the ground to show where it fell. show the damage to the tree as well as its roof.
3. get a roof inspection
Before your insurance company approves your claim, they’ll want to see an inspection report and an estimate for the repair or replacement. a professional roofing company can inspect the roof and provide details to the insurance company.
Your homeowner’s insurance company may not pay your roof insurance claim without an inspection from a roofing contractor. therefore, spending out of pocket for the inspection could save money in the long run.
4. hire a respected and affordable local roofing contractor
Your homeowner’s insurance company will want to see quotes from local roofing contractors. roofers will need to provide estimates for replacements and repairs with several different materials, including original and other options.
The company must have a positive reputation for price and work. If the company charges too much or does shoddy work, the insurance company may deny the claim. your insurance company may have roofing companies that have done outstanding work in the past.
5. avoid scammers
When communities have storms, insurance scammers find many people who want fast repairs at low prices. Unfortunately, scammers make big promises, take large sums of money, and run as fast as they can. These scammers know how to appear legitimate, which is why landlords should do their due diligence before hiring someone and pledging money.
They go door to door looking for homeowners with significant damage. They speak well, but they do not keep their promises of reparation. Before you sign a contract, research the company to see if they’re licensed and ask for reviews and previous clients you can contact.
6. stay in touch with your insurance agent
Your insurance agent should help you through the process of filing a claim. As you go through the process, send photos, estimates, and other documents to your agent. then your agent must tell you what else the insurance company needs to approve the claim.
Each insurance agency has different steps, especially considering the location of your home. Once your insurance claim is approved, your agent will help you get started on the project. Often, the agent works with the roofing expert, schedules the repairs, and releases the payment.
When you follow the steps on how to get homeowners insurance to pay for a new roof, you save money out of pocket.
When it’s time for a professional roof inspection, call the experts at gouge quality roofing. our ongoing process ensures we cover every step of the way, from our initial storm damage assessment to meeting with the insurance adjuster to replace your roof with no hassle for you. so contact us today to get started!