It’s easy to take our roofs for granted, until a storm, a fallen tree, or another disaster makes a mess of things. You must file a homeowner's insurance claim if you discover any damage to your roof in order to lower your out-of-pocket expenses.
Sadly, if you don’t follow the correct steps, your insurance provider may undervalue or deny your claim! Here are four steps to get your roof claim right and get a fair amount to pay for your roof repair or replacement...
Know Your Insurance Coverage
At the first sign of damage to your roof, review your homeowner’s insurance policy and what kind of roof coverage it offers. Generally, there are two types of roof insurance: repair coverage and replacement coverage. Repair coverage will reimburse a homeowner for a certain percentage of roof repairs, while replacement coverage covers part of the costs to replace a roof that is beyond repair. It is important to document the damage to your roof and submit a claim as quickly as possible.
Not all roof damage is covered by your homeowner’s insurance. The coverage that you have depends on your policy, your location, and the cause of the damage. While a hail storm that causes damage to a roof may qualify for coverage since it was an unpreventable event, hurricane damage to a roof in Florida may not be covered due to numerous factors such as the lack of hurricane-related coverage or preventative maintenance.
Related: Questions to Expect From Your Insurance Company
The next time a storm strikes and your roof is damaged, contact Liberty Insurance Adjusters for a free property evaluation. We can manage every aspect of your claim. Call us at 813-922-5129 or submit a claim today.
Document the Damage and Contact the Policyholder
Once you’ve determined whether or not your roof’s damage is covered under your homeowner’s insurance policy, take the time to document the damage. Take plenty of photos from all angles and even some from inside your home.
Be safe! If you can’t assess the damage safely, call a roofing or claims expert for an inspection. Take note of the date that the damage occurred as well. If your roof was damaged during a storm, find articles that match the date to back up your claim.
Your policy might require that you file your claim within a certain time frame after the event, so don’t delay!
This is too much to handle...
The loss at your home or office can feel overwhelming. If you’re finding it a challenge to place a homeowners insurance claim for your roof damage, the public adjusters at Liberty Adjusters can help you manage your claim.
We will assess, document, and submit the following to your insurance company for your roof damage claim:
Proof that a covered peril caused the damage
The age and condition of the roof
The type of roof system that is installed, i.e. asphalt shingle, built-up flat roof, ceramic, metal tile roof, etc.
Any records of maintenance and repairs since the damage occurred
Applicable building codes
Often, you may not know what you are entitled to, which is why our Tampa Bay area team is here to help you get the fair settlement that you deserve!
Avoid these 6 Common Mistakes Homeowners Make When Filing For Storm Damage
Research Roofing Companies
Choose a reputable roofing company to undertake a roofing inspection and assess the damage once you've submitted your insurance claim. Your insurance provider could engage a third-party inspector to inspect your roof on their behalf if you don't hire a professional for the inspection. (And they might favor the insurance company and undervalue your claim!)
Look for a roofing company that has experience working with insurance companies, and provides both roof replacement and installation.
Our public loss adjuster can work with all the contractors you need to get the damage repaired. Working with us is free and on average we help clients get up to 574% more to repair the damage. Submit your claim online or contact us at 813-922-5129.
Follow the Next Steps in Your Roof Replacement Claim
If you decided to submit a claim on your own, and have hired a roofing company to offer supporting evidence, then your insurance company will deliberate. They may immediately accept or reject your claim or make an offer of payment that they deem adequate for the harm. If they do deny your claim, with the help of a loss expert, you can appeal their decision.
Once approved, you’ll be able to get your chosen roofing company to complete repairs or a new roof installation.
Get Justice for Your Claim with Liberty Adjusters
Don’t delay! Get your roof damage insurance claim process started (or let us take over handling the claim for you). Let our local claim adjusters do the hard work for you with the insurance company. We don’t get paid for our services until you receive your settlement from your insurance company.
Liberty Insurance Adjusters is ready to take on your roof damage claim! Call us at 813-922-5129 or submit your claim for a free evaluation.