Storm Damage/Insurance Claims
Losing your roof in a storm can be quite frustrating. But proper handling of the storm damage repair and insurance claims process can make the frustration easier to deal with. The truth is that storm damage claims can be very tricky to deal with especially when you do not know how to go about it. Most roofing damages are covered by insurance policies, but some cases may not be covered. You need the services of expert roof storm damage professionals to handle the after-storm inspection, insurance, and repair process for your roof.
Is Storm Damage Covered By Insurance?
Unexpected roof damage is covered in most home insurance policies. Thus, the cost of repairs of roof damages that occur due to fallen debris or as a result of a storm should be covered in your general home insurance policy. However, the process of making claims for storm damage can be a bit difficult. Some policies have very stringent stipulations about the age and condition of your roof before the storm damage occurs. For instance, it isn’t uncommon to find policies that say that the insurance company will only pay for half of the repair cost if your roof is 10 years old or more.
What To Do After Storm Damage Occurs
After a hailstorm or windstorm hits your home, it is important that you have your roof checked immediately for any significant damage. If the roof is discovered to be damaged, you should secure the scene to limit damage and prevent accidents. For instance, putting a tarp over a hole in your roof will prevent flooding. You should get in touch with your insurance provider immediately to begin the process of filing for your insurance claims. You will be assigned a claim number and get further instructions on how the situation will be handled. Typically for small damages, your insurer may direct you to have it repaired immediately after an adjuster may have been sent to your location to inspect the roof and ascertain the extent of the damage. Your roof damage claims should be processed based on the terms of your policy and based on the recommendation of the adjuster. In cases where there is controversy, you may need the services of a public adjuster to verify the earlier findings and ensure that you receive the maximum compensation possible.
Roof Inspections and Roof Repair Estimates
When filing an insurance claim, getting an accurate estimate is very important. It is the very foundation of your insurance claims and will determine how much you will be able to get from the insurance company for your roof repair. A bad estimate can completely jeopardize your chances of getting your claim. Although your insurer may recommend an insurance adjuster, you can get in touch with us as independent roofing contractors to help determine the possible cost of the roof damage. We can safely get on the damaged roof without causing extra damage and inspect damages to determine the likely cost of repairs or even replacement.
Repairing Vs Replacing your Roof after a storm
One of the vital reasons for a roof inspection after-damage is to determine if the roof needs to be repaired or replaced completely. In case of a minor storm with only a few damaged shingles, a simple repair may be sufficient. However, for a larger and more serious problem, you may need to have the entire roof replaced. The chances of this also depend on age, roof type, and other factors. Some insurance policies will cover both the repair and replacement of roofs damaged parts of your roof. But if you decide to replace the entire roof, you may have to pay out of pocket for a complete replacement. We can help you decide on whether to have the roof replaced or repaired after properly examining the extent of damage on both the interior and exterior parts of the roof.