Do you have a damaged roof? Do you have shingles or flashing that need replaced? Or has the structure of your roof been breached by a tree limb or other type of debris? Roof repairs may be costly, but they're very necessary. Water intrusion through your roof could cause extensive damage in other parts of the home, so it's important that you get it repaired quickly. Fortunately, in many cases, your homeowners insurance can cover some or all of the claims. It usually depends on the cause of the damage and the state of your roof. Here are three tips on how to work with your insurance company to get the highest possible damage benefit for your roof repair:
Review your coverage. Roofs are such an important part of your home that roof coverage is usually specifically described in most homeowners insurance policies. Review your policy to get a better understanding of what is and is not covered. For example, if your roof is older, the insurance company may depreciate the value of the roof and only reimburse you for part of the damage. Most policies don't cover normal wear and tear, so if lack of maintenance contributed to the damage, the repair may not be covered.
By reviewing your coverage before you contact your insurance company, you can better understand what challenges you may face and what questions you need to ask.
Document everything. Your insurance company will likely want to see some kind of evidence of the damage so they can make an informed decision about coverage. It's helpful to have before pictures on hand to show the predamaged state of the roof. Then, after the damage, you should take some new pictures for comparison purposes. Also, a written description of the roof from a roofing specialist who does insurance repairs should go a long way toward getting the repair approved. Talk to your roofing contractor about how you can document the damage.
Choose the right contractor. There are many contractors that may claim they can work with your insurance company to do the repair. However, you'll want to hire one who actually has a track record of doing so. Some contractors even employ adjusters who specifically work with your insurance company on your behalf. They collect documentation for your claim, communicate with the insurance company about the damage, and answer any questions the insurance company may have. If possible, try to hire a contractor who has an adjuster on his or her team. That can make the process smoother and help you get your claim approved.
For more information, contact a contractor in your area when you need insurance repairs. They can help you document the damage and get the claim started with your insurance company.