Cracking The Code: A Guide To Understanding Your Roof Insurance Claim

If you own a home, at some point, you will likely file a home insurance claim for roof damage. It might happen because water, wind, hail, or lightning adversely impacts the roof. Whether your roof is a total loss or requires significant repairs or restoration, you should understand the roof insurance claim process, including when to file and who to hire to handle the roofing work.

What Is An Insurance Claim For Roof Damage?

Nearly all homeowners have homeowners insurance. Within the scope of their policy coverage, terms and conditions address the roof, including what constitutes damage and the steps required to pursue a claim. Naturally, the homeowner is also responsible for maintaining their roof in reasonable condition.

Suppose a severe storm causes substantial damage to the roof. In that case, a recovery process begins when the homeowner submits an insurance claim. Ultimately, the objective is to end up with a repaired, restored, or replaced roof. 

2 Reasons For A Homeowner To File A Roof Insurance Claim

(1) The Identified Losses Are Covered Under Your Insurance Policy

If you own a home and have homeowners insurance, read your policy. Exclusions and limits apply. For example, most homeowners have a deductible. Before filing a claim, you want to understand your coverage limits.

(2) Not Addressing The Damage Will Create Far Greater Problems

Many homeowners fail to submit a claim because they procrastinate. Sometimes, they assume that the roofing problem isn’t that bad. Other times, they believe the issue may not be covered by insurance, or they simply don’t know whether it is or not.

Understanding The Roof Insurance Claim Process

(1) Secure A Free Repair/Replacement Estimate

As a homeowner, your most advantageous and strategic position is to have your roof evaluated by a professional to determine what you need and expect. You don’t want to be shocked if your roof work will not be fully covered by insurance. Also, having an estimate and professional advice will prepare you if your insurance company should cover the repairs but is trying to get out of it. 

(2) Identify A Quality Roofing Company

Inquire about the contractor’s qualifications, including storm damage restoration experience and the ability to assist throughout the insurance claim process.

(3) Obtain A Comprehensive Roof Inspection

Request that the contractor perform an all-point analysis of your roofing system. They should document everything in writing and prepare an inspection report for future reference.

(4) Employ Temporary Mitigation Measures

If there are open gaps in your roofing system, demand that the contractor utilize stopgap techniques to prevent further damage.

(5) Prepare And File A Home Insurance Claim

Before submitting a claim, review the terms of your insurance coverage and any roofing warranties. Also, confirm with the contractor regarding the advisability of filing a claim.

(6) Schedule A Meeting With The Insurance Adjuster

After providing a claim to your insurance company, an adjuster will be dispatched to assess the situation. Ensure your contractor attends that meeting as an extra precaution.

(7) Work With The Insurance Company

Once the adjuster has completed their work, your insurance provider will update you with the next steps in the process. Keep your contractor closely informed and involved.

(8) Enlist The Contractor To Perform The Work

Schedule your contractor to begin performing any required roof repair or replacement work. Insurance companies have specific timeframes and deadlines.

(9) Pay The Contractor With Disbursed Funds

Periodically, your insurance provider will distribute funds as part of the process. Take possession of them and assign payment to the contractor upon satisfactory completion.

(10) Ensure Any Inspections Are Completed

At various points, inspections may be required to ensure the repair or replacement work is performed satisfactorily. At the end, make sure final inspections receive approval.

Reasons For A Homeowner Not To File A Roof Insurance Claim

Just because your roof has suffered damage does not mean you should file a claim immediately. As a homeowner, you need to take a measured approach. Evaluate the situation from all angles. Consider valid reasons for not submitting a claim:

• Too much time has passed since the damage occurred. (Insurance has statutory limits.)
• The damage resulted from something not covered by your policy.
• The damage resulted from multiple factors, including one or more not covered by your policy.
• Reasonable maintenance was not conducted, and the damage was due to negligence.
• The repair cost is less than your deductible.

Working With A Roofing Contractor Knowledgeable In Roof Insurance Claims

For homeowners in Charleston, SC, and surrounding areas, TriCo Exteriors offers the highest quality roofing products and craftsmanship. We care passionately about earning your business and providing superior customer service. We also understand the intricacies of the roof insurance claim process. To learn more about our roofing services or schedule an initial appointment and receive a free estimate, contact TriCo Exteriors today.