In the event of storm damage, you may need to file a claim with your insurance company for your roof. However, many homeowners are unaware of what goes into the insurance roof claiming process. If it’s your first time filing an insurance claim, don’t worry — we’re here to help. In this article, The Great American Roofing Company, one of the leading providers of commercial roof repair services, provides tips on how you can navigate a roof insurance claim.
Go Over the Paperwork
After purchasing your home, don’t put all the important paperwork into a drawer and forget about it. This paperwork can be helpful in emergencies, which is why homeowners like you should go over the roof warranty and insurance paperwork from time to time. Make sure to read the paperwork carefully. You should understand how specific warranties play into the cost of your homeowner’s insurance.
Know the Difference in Your Warranty
There are times wherein the roofing materials have a separate warranty than your contractor’s manual labor. For instance, even though the materials of your roof might have a lifetime warranty, your contractor’s labor warranty might only be a few years. If your roof is damaged by bad weather conditions, you may not have a warranty with your contractor anymore. This means a roof repair might be more expensive. Thus, you may want to consider purchasing a long-lasting labor warranty.
Document the Issue
When it comes to harsh rainfalls or hurricanes, you may need to prepare your smartphone or any camera device. These may come in handy when you need to make an insurance claim. If something happens to your roof, take plenty of photos or videos of any damage right away. Clear photographs and videos are strong pieces of evidence for your claim. Be sure to keep digital files and print copies to share with your insurance and roofing company.
Learn to Work With Your Adjuster
It might be a bit intimidating to meet your insurance adjuster, but you need to be confident and assertive. Don’t forget that you know all the essential details about your roof. Your adjuster is likely dealing with several claims at once while you are only dealing with your own. Before making any final decisions, you should review any paperwork and ask for clarification if the payout is not up to your satisfaction.
Work With a Reputable Contractor
Another thing you need to consider is your roofing contractor. An ideal contractor would be able to complete all the repairs and replacements as soon as possible. Many roofing experts also recommend having a free inspection before calling a roof insurance company. By doing this, they can guide you through the roofing insurance claim process.
Are you searching online for a reputable roofing contractor? Look no further than The Great American Roofing Company. We provide quality roofing services, including roof replacement. To get a roof replacement cost estimate, call us today at (201) 825-2955 or fill out our contact form to set an appointment.