If your home’s roof is damaged after a heavy storm & needs a replacement, you may wonder how to file an insurance claim. Filling a roof replacement insurance claim can seem daunting, but with these 4 helpful tips, it can be a breeze.
Remember that every situation is different, so be sure to speak with your insurance agent if you have specific questions. But overall, following these tips should make the process smoother for you. Keep reading.
Types Of Roof Damage Covered By Insurance Companies
Most homeowner’s insurance covers the house structure, including the roof. Typically, a policy covers problems in the category of sudden or accidental; and caused by specific events such as wind, fire, hail, or the weight of snow.
Another good point to remember is partial roof damage, covered in your insurance policy. Sometimes, your roof’s lifespan gets shortened because of continuous wear. With proper guidance, you could get a complete roof replacement. For example, a hailstorm damaging your roof’s shingles makes it prone to leaks; or the snow weight compromises your roof structure.
Damage Not Covered By Policies
Any damage derived from lack of maintenance or improper maintenance immediately makes your claim non-eligible. Keeping your residential roofing services documents, like the last maintenance receipt with your insurance policy, can ease your claim process in case needed.
Filing A Successful Roof Insurance Claim
In times of great need, keeping your mind clear can make a huge difference. When it comes to your roof policy claim is not different. An insurance policy can help you recover from an unexpected natural disaster. These tips can help you enhance the chances of receiving a roofing replacement to keep your family protected:
Inspect For Roof Damage
If your roof has been damaged, the first thing you’ll need to do is to inspect it—that way, you can determine the origin of the damage. As mentioned before, not every damage is covered in your insurance policy.
Read Your Insurance Policy Before Contacting Your Insurance Company
Reading your insurance policy can help you understand the ground you’re standing on after your inspection. It’s always best to read through it carefully before taking any action.
Document/Photograph The Roof Damage
Proper documentation of the damage is key in getting your insurance claim approved. Avoid submitting repetitive shots, and try to summit specific angles that show most of the roof damage. In addition, proper labeling/naming in your files can help the insurance representative to process the information quickly & easily.
Partner With A Reliable Roofing Company
If you’re unsure of getting it done by yourself, you can always hire an expert to do it for you. As not all damage it’s covered by your policy, it’s vital for you to partner with a reliable roofing contractor. They can inspect the damage and help you through the insurance claim process, improving the chances you get a complete roof replacement.
Republic Roof System Offers You The Best Roofing Inspection In Huston, TX,
At Republic Roof Systems, we understand what it feels like when your home suffers from storm damage. We’re here to help you every step of the way. Our expert’s inspection will expedite filing your insurance claim to get your roof replaced.
We’re the most reliable roofing experts in Huston, TX, and we’re ready to provide you with the best residential roofing services. Contact us today, and we’ll be happy to help you.
