Your roof is one of the most important parts of your home. If you’re dealing with roof damage, the rest of your home could easily be in jeopardy. Roof repair and replacement can be costly. Fortunately, homeowner’s insurance should give you a sense of security in the event that your roof gets damaged through no fault of your own.
However, the process of filing a claim can be confusing and if you wait too long, you may not get the payout to which you’re entitled. Since you need to move quickly when filing an insurance claim, we’ve put together some tips to help you. If you’re in need of a roof inspection, roof repairs or other services, reach out to our Greenville roofing company for assistance.
Inspect Your Roof Right After A Storm
Sometimes, the damage is immediately noticeable especially if the storm was bad. However, there are times when the damage can’t be spotted by an untrained eye. That’s why it’s a good idea to have a roofing professional inspect your roof after heavy rain, high winds, and hail.
They may be able to pick up issues that you didn’t notice. The sooner you schedule this inspection, the better. Your policy may set out the length of time you have to report roof damage. If you wait a long time, it will be hard to differentiate between damage and regular wear and tear.
Take Photos of the Damage
You will need to prove that your roof suffered the damage you’re claiming. If you can see the damage from the ground, take photos and videos from as many angles as possible. If you can’t safely get the photos you need, call the team at Greenville Roofing. We will inspect the roof and provide you with the evidence the insurance company needs. Our roofers know exactly what to look for.
Get Temporary Repairs While You Wait
If the damage to your roof is severe, you may need to get a short-term fix while you wait for your claim to be processed. They may be as simple as using a tarp to cover a gaping hole so your home doesn’t suffer further damage. Your roofer can help you to find a quick solution. Keep track of all the products and services you use during this period so you can add them to your claim.
Even though a damaged roof is unsightly and inconvenient, you shouldn’t rush to repair it before you file your claim. The insurance company may specify which contractors you can work with or opt to replace the roof instead of repairing it.
Make Sure You Understand What Your Policy Covers
After you assess the damage, take photos, and secure your home, you need to review your policy and contact your insurance company. Ideally, you should know exactly what your policy covers before you need to file a claim. However, if you have questions or concerns, you should definitely speak to someone in the claims department.
You could be in for an expensive surprise if you assume the damage is covered and it’s not. Typically, insurance companies cover damage caused by:
- Wind
- Fire
- Hail
- Lightning strikes
- Falling objects
However, if your roof is old, it wasn’t properly installed or you didn’t properly maintain it, it may not be covered. Your policy may also have other exclusions so you need to be sure. The amount you get will depend on several factors.
Keep Track of All the Correspondence
You’ve no doubt heard some horror stories regarding insurance companies. Even claims that seem simple can take a long time to be settled. Keep track of everyone you talk to, when you talk to them, and what they told you. Be sure to save emails and any other forms of communication. If something goes wrong, you’ll have a record of all your interactions with the insurer.
Contact Our Greenville Roofing Experts Today!
If a storm passes through or a tree branch falls on your roof, you may be entitled to compensation from your insurance company. However, you need to ensure you take all the right steps including getting a professional inspection and presenting your insurer with a comprehensive estimate. You also need to ensure that the repairs to your home are done correctly.
If your roof needs to be repaired, restored or replaced, reach out to our company and schedule an inspection from Greenville roofing professionals. We provide free quotes, high-quality workmanship, and exceptional customer service.