If hail, high winds, or other storm damage has left you needing a new roof, you are entitled to make a claim on your homeowner’s insurance coverage. Depending on the insurance company, your roofing service provider may be able to deal directly with the insurance company. In some cases, you will need to file the claim yourself.
The initial step in making a claim is to call your insurance company. They’ll make an appointment with you to send an adjuster out. Get the adjuster’s name and telephone number. It’s a great idea to have your roofing professional at the meeting as well so they can go over the situation in person. If your insurance claims adjustor determines that you have no damage to your roof, you are entitled to a reinspection by yet another adjuster. Don’t be shy about asking for this.
Usually, the complete cost of the replacement is covered, minus the deductible. The amount of depreciation based on the age and condition of the home is taken into consideration. The first check represents the Actual Value of your present roof. If you have a home loan, the name of the home loan company will definitely need to endorse the check in addition to you.
When the replacement has actually been finished, your insurance company will issue a 2nd check for the recoverable depreciation. If you are using a reputable roofing contractor, they should be able to help you get the full amount you are due. Nonetheless, stay clear of making any profit on the deal, as this is insurance fraud, which is a federal offense.
If your roof is found to be damaged, but can be repaired instead of replaced, you will certainly not obtain full replacement value. Your roofing company might be instrumental in helping the adjuster to completely examine the damage. That can help you to receive the most appropriate solution to your problem.
Hail damage, in particular, may not be apparent to the untrained eye. If your roof has actually been exposed to a hailstorm of more than just a couple of minutes, even if the hailstones are small, you ought to have a roof assessment by a professional trained in hail assessment. The adverse results of hail damage might not become noticeable for some time, at which point you may no longer be able to file a claim.
Ensure that you fully understand your insurance protection and your obligations before you need to file a claim. Read through your insurance contract, and ask for clarification on anything you don’t comprehend. Considerable roof damage can occur easily, and replacement is costly, so it’s smart to be sure that you have the coverage you need.