Storms are unpredictable but your insurance plan shouldn’t be.
Knowing how to make a storm damage roof insurance claim probably is not at the forefront of your mind when you’re being deafened by thunder or in the middle of some terrible weather system.
Nevertheless, it is important to take the proper steps in a timely and meticulous manner when filing a storm damage roof insurance claim to make sure you get the repairs you need to turn your house back into a safe and functioning home.
This process can be confusing and difficult, but we’re here to help. There are many other factors related to filing a storm damage roof insurance claim, our guideline just includes some of them to provide you with the basics to navigating the process.
Document the Damage
…and be thorough.
Make lists, take photos, and document the storm damage as best you can. Use caution if going out onto your roof or another risky location. Your safety is what’s most important. Would you rather pay medical bills or repair bills?
Take stock of other items damaged as a result of your roof’s storm damaged such as broken furniture, water leaks, and other items you will need to replace and repair.
If you have them handy, provide “before” pictures of your roof prior to the storm to accentuate the contrast and the severity of the damage your home received. The more concrete evidence you can have the better.
Get an Estimate From Roofing Contractor
Get a second opinion.
Don’t just blindly rely on your insurance company or trust that they have your best interest at heart.
Consult a roofing professional and invite them to your home to evaluate and the monetary value of the damage your roof endured during the storm and estimate the costs it will take to repair properly.
Make sure they directly look at the damaged areas and ask them about labor costs as well to get the most accurate figure. Get in touch with a roofing contract as soon as you can after the storm. There is usually a time limitation on filing insurance claims and you want to make sure you have sufficient time to gather all of the information and evidence you need.
Submit a Claim to Your Insurance Company
If you’ve followed all of the previous steps, you should be confident and well informed when filling out our claim. As mentioned previously, there is usually a narrow window of time in which you can file a claim for storm damage to your roof. Know your policy and talk to your provider is you have any questions.
Knowing what coverage you are entitled is important. You wouldn’t buy a car without doing some research and knowing all of the facts, would you? Some insurance policies might include full coverage of a roof replacement in the event of storm damage; others may only be willing to equal the cost of the damage and not a penny more.
Home insurance policies usually cover roof damage caused by fire, vandalism and “acts of God,” such as hurricanes and tornadoes. Whether they will pay for damage caused by wind, rain or hail is determined by your policy and the age of your roof. –Dallas Ft Worth Roofing and Consultants
If you file a claim that isn’t approved, try again.
Most companies allow up to three applications or meetings with insurance adjusters for your insurance claim, so if at first you don’t succeed, fill out more paperwork.
Inspection by Claims Adjuster
Your insurance company will send an insurance claim adjuster to your home to inspect the damage. They are there to verify your claims and the evidence you provided and to give their own evaluation of the cost of the the damage to conclude what compensation they are willing to provide you.
Don’t let your insurance company try to lowball you because they assume your are ignorant or will just trust their judgement alone. Invite your own contractor to be present at the inspection to have someone there with professional knowledge that can back your claim and have a second opinion on the compensation you should receive. .
Don’t be afraid to speak up and ask for what you deserve.
Make sure the inspector physically examines the damaged area as well as the photos and other evidence you provided in your claim.
Still a little confused?
Don’t worry. Insurance claims aren’t easy. If you have any questions, be sure to call American Dream Restoration at one of our local offices (Front Royal, Woodbridge, and Winchester, VA).
Our roofing and storm damage professionals will be happy to answer any of your questions.