The first thing to do is to contact a contractor immediately instead of waiting for repairs. Some contractors can provide you with either temporary coverage or even a tarp in the event that the roof damage is leading to leaks right away.
The next step that you should take is to file an insurance claim for the roof damage with your homeowner’s insurance provider.
That way, you can begin the process of getting the repair coverage that you need due to these damages. Here are some mistakes that you should avoid when filing a roof damage insurance claim.
When it comes to roof damage itself, there are multiple ways it can happen.
How Can Your Roof Become Damaged?
Roof damage can happen for quite a few different reasons and at any time throughout the day, too. However, as you likely know, severe weather is one thing that commonly leads to roof damage.
Hail is one kind of severe weather that can cause damage to your home’s roof. Hail can cause serious amounts of damage to the shingles on your roof.
Strong winds are one more type of severe weather that can cause quite a bit of damage to your roof. These strong winds can blow big debris onto your home’s roof and they can lift the edges of your roof, too.
Of course, hurricanes and tornadoes can cause catastrophic damage, far more than you typically see with simple strong winds. Trees falling over can also damage your roof as well.
Sometimes, severe weather can lead to trees falling over, which can then damage your roof, so these causes can be related.
What If The Damage to Your Roof Isn’t That Severe?
Even in the event that the damage to your roof isn’t too serious, you should still file an insurance claim. You might not be completely sure about the technical definition of a claim, but you can learn more here.
Especially when it comes to damage to your roof from hail, even mild hail damage can compromise your roof’s integrity to the point where you have to replace it. It is best to contact your contractor and have them perform a thorough roof inspection if you think your roof has gotten damaged.
Filing An Insurance Claim For Roof Damage
There are multiple steps to filing an insurance claim for roof damage. For more information about filing this claim, click here.
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You should first examine your insurance policy thoroughly, paying special attention to the areas concerning your roof damage coverage. Next, you should assess the damage to your roof if you can safely do this. Taking pictures is a good idea.
After that, contact your contractor and have them inspect your roof. A contractor will likely be able to offer you an estimate for free. You can compare this estimate and the contactor’s inspection to the estimate and inspection provided by the insurance adjuster.
It is critical that your contractor is reputable so that the inspection is done properly and the estimate is reasonable. This greatly helps the process of filing a claim go as smoothly as possible.
If you need to know more about insurance adjusters, you can check out this page.
Documenting as much of the insurance claim filing process as possible is also a good step to take. You can then file the roof damage insurance claim with your insurance provider. In order to complete the claims process as easily as possible, you should be as prepared as possible going into the process.
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Image credit: filing an insurance claim for roof damage by envato.com
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