Finding roof damage after a storm is definitely disappointing. If it’s your first time dealing with it, You probably have a lot of questions and concerns. One thing that always causes lots of questions is homeowners insurance. It’s true: the home insurance process can be really confusing and overwhelming. In this article, we will give you a few crucial things that every homeowner needs to know about the roof restoration insurance claims process for a damaged roof.
The insurance process can be muddy
The uncomfortable truth is that there are a lot of roofing and insurance companies that don’t necessarily have your best interest in mind. Some companies use this confusing process to their advantage and scam homeowners who are desperately looking for a solution to their roofing problem. That’s why it’s always better to be confident in your homeowners insurance in the first place. That’s why you need to be extra cautious when choosing your home insurance. When you already have the damage and looking for a roof repair company, just be aware that not every company wants to actually help you.
Don’t commit to anything prior to the approval of your roof restoration insurance claims
As we said earlier, not every company on the market is ready to help you. Some companies may want to make you sign some documents even before they will inspect the roof and file roof restoration insurance claims. This might be a sign of fraud. Good roofing contractors usually provide free inspections before you even begin filing roof restoration insurance claims. They also should walk you through the insurance process and give you an honest assessment of your storm damage extent. They will only ask you to pay for anything only after your roof restoration insurance claims are approved.
You have to rely on an insurance adjuster to approve your claim
The first thing you should do if you suspect roof damage is to call your homeowners insurance company. They will either send out an insurance adjuster or tell you to call a roofing contractor to schedule an inspection. But remember, the insurance adjuster is the only person who can approve your roof restoration insurance claims. A roofing contractor inspects your roof for storm damage and advocates for you during the home insurance adjuster’s inspection. The insurance adjuster always has the final say. Although they make mistakes, and even if they do – don’t panic. There are ways to double and triple check your roof if the home insurance adjuster denies your claim.
