How to File an Insurance Claim for Roof Repairs

How to File an Insurance Claim for Roof Repairs

If you are a homeowner or own commercial property, the chances are you will have to deal with roof repairs at some point. It doesn’t have to be a stressful and tedious process if you hire the right professional roofing company and know what to do in the event of needing to file for an insurance claim. Custom Roof Company has been helping our customer deal with roofing repairs and service for decades. We want to make sure you know what’s involved with filing an insurance claim for roof repairs because things can get confusing quickly if you aren’t familiar with the process. Insurance providers are looking for any possible way to avoid paying out on a claim, which is why we want to help you stay on top of the entire claims process! Keep reading on to learn more.

1. Clearly Document What Caused the Damage to Your Roof

One of the most common reasons for roof insurance claims to get rejected is due to improper documentation of the damage. If you don’t have proof, you don’t really have a way of getting the insurance company to believe you. If roof damage occurs during a big storm, take as many pictures of the specific damage that you possibly can. Take pictures of hailstones if they are what caused the damage. Use timestamps and dates on each of the photos to provide an accurate picture of how and when the damage occurred that can be confirmed with the local weather service.

2. Hire a Roofing Contractor for Estimates

If you do have damage on your roof, it’s a great idea to hire a professional roofing contractor to provide estimates on what the repairs will cost. You don’t want the insurance company to take advantage of you, which can easily occur if you don’t have an idea of what the damage costs. Hiring a great roofing contractor like Custom Roof Company means you will receive an accurate estimate of how to fix your roof with high-quality materials. Don’t let your insurance company provide you with poor quality materials and bad installation just because you avoided getting an estimate.

3. Figure Out What Your Policy Covers

Every insurance policy created for property owners is different. That means yours will be unique and have certain things that are covered and certain things that are not. It helps to read your insurance policy and understand exactly what your policy covers before you file a claim. You also want to make sure you are investing in regular roof maintenance so that your policy is not void due to negligence.

Roofing damage is inevitable if you are a homeowner. The key is to understand how your policy works and think ahead to document any damage in order to give yourself the best chance of having your claim paid out. Remember that regular maintenance and service from a great roofing company like Custom Roof Company can be a huge help when you are looking to file insurance claims for your roof.

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