When to contact your homeowners insurance company
Homeowners insurance policies typically cover damage that is direct, sudden, and accidental, from causes like fire and smoke; hail; wind; and the weight of snow, ice, sleet, or leaks from severe storms such as thunderstorms, tornadoes, or hurricanes.
The only way to know for certain what coverage you have is to read your homeowners’ insurance policy thoroughly.
Best practices for filing a roof insurance claim
Once you decide to file a claim, call your insurance company and inform them of the incident. Once your claim is filed, the insurance company will determine if the damage will be covered under your insurance policy.
Keep these 4 important steps for filing a roof insurance claim in mind:
- Be prompt: The longer it takes to repair your roof, the more likely it is to expose your home to further damage
- Document everything: Providing receipts, photos, a list, or a home inventory that confirms the value of your roof and exterior damage will help the claims process run smoothly.
- Make temporary repairs: Make sure that any openings or damage to the structure of your home won’t result in further damage. Make temporary repairs, and hold on to the receipts.
- Prepare for the adjuster: The adjuster’s job is to assess the damage and confirm details. Provide them with any documentation, like receipts, photos, or a home inventory. It can help to have an estimate in hand when meeting with the adjuster.
We understand the insurance process can be stressful, and we’re here to help. A professional roof inspection is the best way to determine damage. If we determine your roof needs repair or replacement, we would be happy to meet with the adjuster at your home to walk them through the damage we’ve identified.