Things you need to know about the insurance process for roof damage

by Charles Layman Business

It is important to understand what is covered by homeowner’s insurance before an incident. Your roof is the front line of attack against any elements. Insurance companies are very strict when it comes to insuring you and, at the same time, keeping their risk minimum.

Homeowners coverage provides financial protection against loss due to disasters, theft and accidents. Most standard policies include four essential types of coverage, coverage for the structure of your home, coverage for your personal belongings, liability protection, coverage for additional living expenses. One of the most common types of damage that can happen to a home during a hurricane is a roof damage insurance claim. When it comes to coverage for a homeowner’s roof, they’ll want to look closely at their policy for the structure of their home. Here are 5 things to consider.

1: Insurance coverage for storm damage

Homeowners insurance usually covers wind damage, hail damage, damage from falling objects like tree limbs or resulting interior damage from the storm to your roof. It depends on your policy. Your homeowner’s insurance will likely cover the storm damage to your roof and the resulting damage to your bathroom wall. This is because homeowners insurance is designed to respond primarily to sudden events.

2: What to do if you need to make a claim

Homeowners should first look at the policy and see what is and isn’t covered. They should call their insurance agent and ask questions to get any clarification they need. Once the homeowner understands their policy, they can make the claim. This involves providing documentation of the damage. Homeowners should invest time in knowing their policy and making sure the policy has appropriate coverage.

3: Trust on insurance adjusters to approve your claim

Once you suspect roof damage after a strong storm. No matter which route the insurance company decides to go down, the insurance adjuster is the only one who can approve your claim. A roofing contractor can inspect for storm damage and advocate for you if they think you have it. If a roofing contractor is 100% certain that you need your roof replaced, the insurance adjuster has the final say.

4: Chose local contractor of your choice

Once your claim is approved, you need to choose a local roofing contractor you want. Make sure you hire one local to your area and that has experience working with insurance claims. Once your wind damage insurance claim is approved, no matter what roofing contractor you hire, the price for your replacement is set by the insurance company.

Once you suspect roof damage after a strong storm, you need to call the insurance company as soon as possible.

For more details: https://www.buzzroofinginc.com/