INSURANCE CLAIMS
We can take our roof for granted—until a storm, fallen tree, or even those pesky neighborhood squirrels make a mess of things. If you notice damage to your roof, you’ll want to submit a homeowners insurance claim to reduce your out-of-pocket costs. However, it might not be clear where to start.
Unfortunately, if you don’t follow the proper steps when filing a roof claim, your insurance company may deny your claim because of an administrative error. That’s why we’re showing you four steps to get homeowners insurance to pay for your roof replacement.
KNOW YOUR INSURANCE COVERAGE
When you first spot damage on your roof, it’s a good idea to check your homeowners insurance policy to see what kind of roof coverage you have. This might require some digging if you haven’t looked at your policy before, but understanding your coverage can help you make informed financial choices regarding repairs. You can also ask your insurance agent for a copy of your policy if you need it.
Most insurance companies provide two main types of roof coverage: repair coverage and replacement coverage. Repair coverage typically reimburses you for a portion of the repair costs, while replacement coverage is for when your roof is beyond repair and needs to be completely replaced. Keep in mind that replacement coverage tends to be pricier and can complicate the claims process, which is why it’s crucial to document any damage and file your claim promptly.
It’s important to note that not all roof damage is covered by homeowners insurance. Your coverage will depend on your specific policy, where you live, and the cause of the damage. For instance, damage from a hailstorm might be covered since it’s an unexpected event, but damage from a hurricane or tornado in Texas might not be, especially if such events are common or if you lack the necessary hurricane coverage or didn’t take proper precautions. Additionally, if the damage was caused by your own actions or by an inexperienced or unlicensed roofer, you may find that your replacement costs aren’t covered.
If you have any questions about your roof coverage, don’t hesitate to reach out to your insurance agent for more information.
DOCUMENT DAMAGE AND FILE CLAIM
Once you’ve confirmed that your roof damage is covered by your homeowners insurance (or you think it should be), the next step is to gather evidence of the damage. Take numerous photos, capturing not just the exterior but also the interior of your home. If you have a sturdy ladder and feel comfortable using it, you can climb up to take pictures, or consider using a drone with a camera for a safer option. If assessing the damage safely isn’t possible, it’s wise to reach out to a professional roofing company for an inspection—it’s always better to be cautious.
Make sure to note the date when the damage occurred. If a storm, like a tornado or hurricane, caused the damage, look for online articles that correspond to the date of those events to support your claim.
Next, visit your insurance company’s website to find out how to file a claim. Many policies have specific time limits for submitting claims after an incident. Understanding your insurance company’s procedures is crucial, as delays could result in your claim being denied.
RESEARCH AND HIRE A REPUTABLE ROOFER
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
BEWARE OF SCAMS AND STORM CHASERS
When it comes to insurance, there’s always a risk of encountering scammers looking to take advantage of you. After a major storm, you might find individuals going door to door, promising a free roof replacement. Be cautious, as this is likely not a legitimate offer. These door-to-door salespeople are skilled at persuading homeowners to sign contracts quickly.
As mentioned before, while some roof damage may be covered by insurance, not all types qualify. If a salesperson insists that an old, deteriorating roof is eligible for a claim, you should be suspicious. They may also exaggerate the extent of the damage, urging you to act fast. Another common tactic is to offer a special deal because they are “in the neighborhood,” but they will pressure you to make a decision on the spot. These high-pressure sales techniques are clear indicators that you might be dealing with a scam.
To help identify potential scammers, there are several steps you can take. First, request to see their liability insurance and any other certifications that a trustworthy roofing company should possess. It’s also a good idea to confirm that they have a physical office nearby. Ask for their business address and license. Lastly, take the time to look up online reviews to see if there are any negative comments about the company.
GET YOUR ROOF REPAIRED OR REPLACED
Once you file your insurance claim and hire a roofing company to provide supporting documentation, your insurance company will have the authority to make a decision. Typically, after a period of around 15 days, the insurance agent will inform you whether your claim has been approved or denied. If your claim is denied, you have the option to appeal the decision. Keep in mind that these processes can vary between insurance companies, so it’s a good idea to reach out to your insurance agent for assistance.
If your roofing claim is approved, you can begin collaborating with your selected contractors to install your new roof. After the installation is complete, we suggest scheduling regular inspections. Consistent maintenance will not only keep your roof in excellent shape but also facilitate future roofing claims, as you’ll have documented reports and photos detailing the roof’s condition over time.
Reach Out to Roof Fix Houston for Your Storm Damage Repair and Replacement Solutions.
Is your roof damaged in the Houston or Texas Gulf Coast region? Looking to file an insurance claim? Roof Fix Houston is ready to help you with all your roofing repair and replacement requirements. Get in touch with us to find out more!
Request Service
