If you live in an area where a storm recently hit and damage was done to surrounding homes, it is a good idea to have your roof checked out. Most homeowners insurance does cover roof damage, but how do you go about getting it taken care of? Here are 5 steps to take to when you need insurance to cover your roof damage.
1. Assess and document the damage
Utilizing ladder and basic roof safety techniques, you should be able to see if there is any visible damage to your roof. A few things you are looking for are missing shingles or divots. Be sure to document anything that you see.
2. Contact roofing specialist or inspector
If you didn’t see any damage, that’s okay! However, it doesn’t mean no damage took place. It is a good idea to get a second opinion and have a professional inspector take a look. Schedule a consultation with one of our roofing experts – they are trained to see things that you may not have noticed!
3. Review your insurance policy
While looking into your policy, you are specifically going to want to see about roof coverage. You can contact your agency to get a copy of your policy, but you aren’t ready to submit a claim just yet – that comes later! By knowing about your insurance policy, you will be better informed on what is covered, what isn’t, and the correct questions to ask while speaking to an expert and filing a claim.
4. Get a free estimate
Contact one of our roofing experts to assess the damage for free. We can give you a free estimate of how much the damage will cost to fix or what the cost for a new roof will be.
5. Submit a claim
Once you have received the final word that your roof needs to be replaced, you are good to go. You will be given the money for the damages, and it is time to choose a contractor, and they can get to work on replacing your roof. It is important to note that you do not want to submit a claim until you have gone through all the previous steps! If you submit a claim and damage is not done, then your insurance policy could still potentially go up.
For those who live in areas where severe storms tend to occur, it is important to know the steps to take if damage were to occur. After a storm hits, the stakes are high when it comes to repairing your roof. If roof damage is done, further damage could likely be done to your home. You don’t want to wait or miss out on getting it taken care of properly.
If you have further questions, you can always contact your insurance agent or contact Alliance Roofing Company for help with the next steps to take.