Finding roof damage after a storm can be stressful. It puts your home exposed to nature’s elements and you’ll have to think about having the roof repaired or replaced the soonest time possible. This is why you need to know about the process of insurance claim roofing.
Aside from knowing the steps involved, there are also some other things you should be aware of as they can help you understand better the entire process. To help you, we’ll go through in this blog the top four things you need to know about insurance claims in roofing.
The insurance claim process can be long
Filing an insurance claim does not mean you can get your roof repaired or replaced right away. It’s a process that can take weeks or even months as there are many steps involved. Typically, here’s how the entire process will go:
- Contacting the insurance company
- Finding a roofing contractor
- Filing your claim
- Meeting with the insurance adjuster
- Once approved, scheduling the repairs or replacement
However, keep in mind that this may not be the same for everyone. It may differ depending on your policy, insurance provider, and roofing contractor. But in most cases, the entire process always takes time.
The insurance claim process can be muddy
Filing an insurance claim is not a straightforward process. This is why the insurance industry does not have the best reputation. It’s still a business, after all, so you can’t expect that they’ll always have your best interest in mind.
Filing an insurance claim is both complicated and confusing, especially for those who are not knowledgeable on how to navigate the entire process. It is highly recommended that you hire an expert in insurance claim roofing as they can guide you better from start to finish.
An insurance claim expert will ensure you’ve got all the needed documentation to support your claim. They’ll make sure you’ll have a higher chance of getting approved so you’ll have your roof problem repaired or replaced the soonest time possible.
The insurance adjuster has the final say on claim approval
When you suspect storm damage on your roof, the first thing you should do is contact your insurance provider and tell them about your situation. Most likely, they’ll either advise you to call a roofing contractor for an inspection or they’ll send out an adjuster.
However, keep in mind that even if the insurance provider tells you to call a roofing contractor, the adjuster still has the final say. They are the only ones who can approve your insurance claim roofing. All the contractor can do is inspect your roof and advocate for you.
Not all insurance claims will be approved
Keep in mind that filing a claim is not a guarantee that you’ll be approved. Even if you hire the best roofing contractor in the industry, there’s still a high possibility that it could be denied by the insurance adjuster for various reasons.
For instance, your claim for storm damage can be denied if your roof wasn’t installed properly in the first place or if your attic was not ventilated adequately. It can also be denied if it was specifically excluded from your policy or if you waited too long to file your claim.
If this is the case, do not panic. You can always appeal the decision if you’re sure and adamant that the roof has sustained storm damage. You can even ask your insurance provider for a different adjuster.
If the company still disapproves your claim, you can always pursue legal action as your last resort, although you may have to shoulder the attorney and legal fees on your own.
Need help navigating the insurance claim roofing?
Liberty Roofing can help! We are an insurance claim process specialist! We can help you navigate the insurance claim process so your roof repair or replacement claim will have a higher chance of getting approved. We will perform a thorough roof inspection and we’ll be beside you when the insurance adjuster arrives. Contact us today to receive a free quote!