Extreme weather is scary, but roof damage from the storm is even scarier. Not only does it affect the roof’s ability to protect your home, but it also indicates what might be a huge financial burden. On top of this, the world of roofing insurance claims for storm damage is confusing.
Whether you’re dealing with storm roof damage or just preparing for the future, here’s your survival guide for this scenario. Knowing how to navigate the world of storm roof damage and roofing insurance claims is valuable since extreme weather is all too common, and so are expensive roof repairs. Here’s how to make the process as easy as possible.
What To Do in Case of Roof Damage From Storm
If a storm has passed and you notice damage on your roof, you definitely want to follow these steps to ensure you avoid further damage and expensive repairs.
- Determine whether you want to file an insurance claim
- Call your homeowner’s insurance company
- Go through the inspection process (adjuster or local contractor)
- Understand the world of roofing insurance claims for further peace of mind
Should You File a Claim?
Roofing repairs can be quite pricey. In the event of a storm, you might not just be dealing with damage to the shingles but also water damage that can be detrimental. Filing roofing insurance claims for storm damage can help you prevent future issues and cover repair costs.
For you to file an insurance claim for roofing repairs, it must be clear that there is substantial damage due to a storm and not normal wear and tear or maintenance problems. Your deductible also must be paid or exceeded. Make sure to go over your homeowner’s insurance policy and see that roofing repairs for storm roof damage are included. Be aware that there might be other requirements unique to your policy.
When it’s safe to be outside, act quickly to spot any damage after a storm. Keep an eye out for:
- Missing or broken shingles or tiles
- Blown-off roofing
- Gutter or vent damage
- A leaky attic
- Fallen trees on the roof
- Dents
- Broken skylights
If you see these things, filing an insurance claim can save you money on repairs, especially if you act quickly. Take action right away for the smoothest process.
Call Your Insurance Company (Homeowner’s)
If you suspect or see roof damage, the first thing you should do is contact your homeowner’s insurance provider. The next steps after getting in touch with them may vary based on your location and the particular insurance provider. Do this first so you know the necessary steps unique to your policy to get your claim approved.
After speaking with your insurance provider, you’ll fall into one of two categories. Either your insurance company will send an adjuster to inspect your roof, or they’ll tell you to contact your local roofing company for the inspection.
Storm Roof Damage Inspection: Insurance Company or Contractor?
Who conducts your roofing inspection will depend on what your homeowner’s insurance company requires. They might send an adjuster to inspect your roof in one situation. Following their assessment, they will approve the claim if they see roof damage from the storm.
It will be time to start looking for a great roofing contractor who has experience handling insurance claims if your claim is granted. If it isn’t, don’t fret yet. You can ask for a second adjuster, and if that claim still is not approved, you can get an engineer’s inspection. If the engineer finds proof for a claim, they can send that over to your insurance company.
The second case is when your insurance provider instructs you to speak with a local roofing professional to check your roof. It’s important to be picky at this point in the process. Shop around for your local experts and go with the ones that will help you get that claim approved and provide an excellent, cost-effective repair. Any apparent damage will be documented with photos, which the roofing company will send to the insurance provider. The insurance provider may assign an adjuster for an inspection if the photos indicate storm damage. The specific steps will vary depending on where you are.
Roofing Insurance Claims for Storm Damage: What To Know
The best way to stay calm through this process is by knowing a few key things about the roofing insurance claim process. It’s by no means a clear and simple process, and some roofing and insurance companies use that to swindle people. However, there’s no need to be alarmed- just be aware.
One tactic the bad guys may use is strongly encouraging you to sign paperwork before they conduct any inspections. The best rule of thumb is to never sign any contracts until your claim has been approved.
Another thing to know is that it is the adjuster who ultimately approves your claim. Your contractor can only give their expert opinion and provide proper evidence to your insurance company. If one adjuster does not approve your claim, it does not mean all hope is lost and all other adjusters won’t either. You have plenty of opportunities to double-check by getting another adjuster and/or an engineer.
Roofing Companies Can Fight For You In This Process
One more thing to keep in mind is that you can choose any local roofing company after the adjuster approves your claim. It’s important to shop around, seek out multiple quotes, and make sure the company is experienced with insurance claims and making the process easier for you.
If you’re in the New Hampshire area, Energy Shield is the go-to for all your roofing needs. We founded Energy Shield of New Hampshire more than 40 years ago to offer top-notch roofing and energy efficiency services to our community.
We are a family-run business that values forming lasting relationships with clients and enhancing their homes. The Better Business Bureau, home and business owner recommendations, and repeat clients have all commended our work. Need a roofing repair? The answer is simple: pick Energy Shield!
