When a storm damages your roof to the point where it merits major repair or replacement, it’s natural to want to get it restored ASAP. However, it doesn’t mean you should cut corners just to speed things up. If you do, your insurance claim might be denied, and the process of getting adequately compensated for your loss will take more time.
For the first part of our special blog, Tedrick’s Roofing wants to share tips on submitting a claim on your roofing system to your homeowner’s insurance:
Review Your Policy
Read your policy again to ensure that what you’re claiming is part of the premium for which you’ve been paying. Not all insurance policies are the same, so don’t assume you’re supposed to get the same payout your neighbor or relative received. If your situation meets the conditions put in place by your insurer, you can proceed.
Document the Damage
Proper documentation is a prerequisite for an insurance claim. Any experienced roofer would say that photos and articles showing when the storm occurred in your area make solid evidence to strengthen your case.
Call a Professional Roofer
Meet with a professional roofing contractor to provide you with a written estimate of the cost of major repair or replacement. If temporary repairs are necessary to make your home safe to live in until roof restoration is completed, save your receipts. But if you must live somewhere else due to your home’s poor condition, keep the receipts for all costs you incurred until the roof is fixed.
Notify Your Insurer
Waste no time in making a claim. Your policy might require you to notify your insurance provider within a certain period. Fill out the necessary form from your insurer provides, and be as detailed as possible. Most importantly, arrange a meeting with an insurance adjuster to evaluate your home in person. If possible, get a representative from a roofing company you trust to ensure you get a fair settlement.
Stay tuned for the second part of this special blog to learn how Tedrick’s Roofing can facilitate the insurance claim process. To talk about your roofing needs in Tacoma, WA, call us at (877) 212-9355 or (253) 499-9660 for your FREE, no-obligation inspection and estimate.