Don’t know how roofing Insurance claims Work? If yes, you’ve come to the right place. When it comes to handling the roofing insurance claims, the entire process can be very confusing and hefty. This is especially true when you have no experience in dealing with such situations. But you don’t need to worry anymore. We have framed a comprehensive guide in order to explain everything about how roofing insurance claims work. So, relax and keep reading!
Here is how a roofing insurance claim works ideally
1. Research and Document The Condition of Your Roof
Better safe than sorry. The best strategy is to stay proactive before any weather condition hits your roof. Hence, we strongly recommend a yearly roof inspection by experienced professionals. However, you can also inspect the roof on your own, at the initial level. When you do this, look for lifting shingles, do they have any cracks or are there any missing granules. If you find granules on the ground or near your gutter, it’s a hint that you need a professional roof inspection right away.
Another thing you should look for is water spots on your home. As a tip, get your roof inspected right after the episode of hail or storm. During this scenario, document the severity of damage and the condition of your roof with the help of photos and videos. This is important as these pieces of evidence will greatly help you at the time of filing the insurance claim. Meanwhile, have a look at your insurance policy to educate yourself about the areas it will cover and also the coverage limits.
2. Hire a Roofing Company / Contractor
The next thing you need to do is to call us. We at Sellers Roofing Company – New Brighton has a team of experienced roof inspectors who will not only look for the damages, but will also give you an estimate of what needs to be done.
But if there is any other roofing company in your mind then make sure it is licensed, experienced and is able to provide good quality services. Otherwise, you will end up taking additional risk of damage due to poor quality services. A good roofing contractor is the one who should involve and assist you during the entire roof inspection process. They should tell you about the legal and best solution to tackle your situation.
At Sellers Roofing Company – New Brighton, Minneapolis St Paul, we provide you with the accurate estimate of your roof damage, if it needs to be replaced or not along with several other costs it will take to complete the whole process.
3. Approach Your Insurance Company And File Roofing Claim
Once the roof inspection is done, it’s the time to contact your insurance provider and report him about the whole incident. Afterwards, a claim adjuster will be appointed by your insurance company who will come to your place to overview the situation. He will record the data and depending on that, he will tell you about the areas your insurance will cover.
Make sure to have your trusted roofing contractor by your side when the claims adjuster is evaluating your roof. The reason behind is, he knows the severity of the roof damage and hence will make sure that the claim adjuster is being fair and will not let him ignore any area that needs coverage.
4. Have Your Roof Replaced or Repaired
The last step in the roof insurance claim process is to get your roof replaced. Once you get the approval from your insurance company, you can schedule your roof replacement work. Whether you need a residential or a commercial roof replacement, we always remind you to hire an experienced roofing contractor. It will make sure your roof is in the right hands and your investment is protected.
What Kind of Roof Damage is Not Covered By The Insurance?
Typically, a homeowner’s insurance covers situations like roof damage from storms, fire, hail, roof leaks and some others. In such conditions, the insurance company covers the total cost of repairing and replacement.
However, there are some areas that are not covered by the insurance, these are as follows :
Wear and tear damage to an older roof. Damages that are caused by improper maintenance. For instance, if your roof has been leaking for quite some time and you’ve constantly ignored it, then you are not eligible to claim the insurance for this damage. Any kind of damage that is excluded in the home insurance policy. This can be any damage due to hail, wind or snow.
Some Useful Tips For Handling The Roof Inspection
An accurate estimate for the roof damage plays a very important role in the insurance claiming process. It helps you to get the accurate amount from the insurance company for repairing or replacing your roof. On the other hand, a poor estimate can create a lot of confusion at the time of claim.
Having said that, we suggest you to get a good and precise estimate of your roof damages from a good roofing contractor. He will inspect each and every damage very carefully and let you know about the cost you will need to repair or replace it.Moreover, the insurance company also sends a claim adjuster to your house for inspecting your roof. He will perform the same inspection, but the estimate can vary for the same repair or replacement cost. Hence, it is always better to be on a safer side and get an accurate estimate to you.
Repair vs Replace – What should you choose between repairing and replacing your roof?
After having a right estimate, you can decide whether you need a repair or an entire roof replacement. This decision solely depends upon the severity of damage. For instance, a minor storm might have just affected a few shingles. You can safely go for repair in such situations.
However, if the weather event was really bad and has affected a large area such as inside and outside of your home, then it is recommended to get the entire roof replaced. There are certain factors that you should consider for a full roof replacement. These include the type of roof, type of damage, age of roof, severity of damage etc.
Ideally, the insurance covers the total cost of repair and replacement of the damaged areas. So, if you want to replace the other parts of your roof as well, you have to pay from your wallet. But, sometimes the insurance company covers the cost of full roof replacement if your area is badly hit by the storm or hail.
Your roofing company will help you throughout the process. They will tell you whether you need a repair or a full replacement on your roof. Our professional will check both the interior as well as the exterior of the roof to determine the severity of damage. Moreover, If you’re noticing water spots or any other kind of water damage, then it is totally worth going with the full roof replacement.
Some Useful Tips To Handle The Roof Insurance Claim Process
Roof insurance claim process can be very confusing and hectic without proper knowledge and experience. To help you handle this situation with ease, here are some useful tips for you :
#1. Always Get Ready With All The Documents
Researching and documenting is the first and most important thing to keep in mind when dealing with the insurance claim. So, take as many photos and videos as you can that may help you further in this process. If there was a heavy hail storm, then don’t forget to take pictures of the biggest hailstones you can find on your roof. Also, showcase the size of the hailstones by measuring them against the tape. These will be the most important pieces of evidence. Additionally, collect other supporting evidence and documents that contain the total cost of the roof.
#2. Don’t Entirely Depend Upon The Roof Inspection of Your Insurance Company
Most of the time, the insurance companies are likely to have disputes with the insurance claims of their clients. You are likely to hear “your roof doesn’t verify for the claim” or “your roof isn’t damaged enough for the insurance claim”. So, how to deal with such situations? The best idea is to approach a roofing company or a contractor individually and get your roof examined. This will not only help you to deal with the disputes with your insurance company, but will make sure you get the best quality roofing service.
#3. Always Hire a Licensed and Experienced Roofing Company
Experience is the most important thing when it comes to handling the different situations and tasks. Be it any field or work, this is the first thing we all look for. Similar goes with the roofing companies and individual roof contractors. If they don’t have any experience and professionalism to deal with such situations, then they will not be able to help you in the insurance claim process. On the other hand, a good roofing contractor has the level of expertise and a lot of experience using which he will help you in making the right decision and will ease down the insurance claim process.
#4. Don’t Sign Any Contingency Contract
Sometimes the roofers may ask you to sign a contingency contract before the roof inspection. According to this contract, you authorize them to handle your roof replacement or repair in case the claim is approved. Although this is not a false practice, some fraud roofers may take advantage of this and you will end up risking your roof for further damages. So, always be careful and make sure your roofing company is trustworthy.
FREQUENTLY ASKED QUESTIONS – ROOFING INSURANCE CLAIM
We know there are a lot of questions that may be disturbing you, so below we’ve answered some of the most frequently asked questions about how roofing insurance claims work.
What is depreciation in the insurance claim?
Depreciation is basically the amount of money held back by the insurance companies. You should know that it is usually for every item and not for the amount of insurance claim. This amount is based on the life expectancy of a particular item. For instance, if a brand new item is worth $100 and its life expectancy is about 10%, then you will get 10% of the actual price i.e $10 and a hold back of $90.
What is the importance of roof inspection after a major weather event?
A roof is the most important part of the building. Even the slightest damage in the roofing system can risk your safety. Roofs can be easily damaged by harsh weather conditions like hail, storms and heavy rains. While some type of damage may not be visible to the untrained eyes, it can badly affect the roof internally. And what’s even worse? When you ignore such situations, the condition of your roof will become worse over time. Also, a majority of insurance companies give only 12 months of validity for the insurance claims. This is the reason why you need a roof inspection right after a weather event. In fact, you should always get your roof inspected every year.
What is the difference between ACV and RCV?
There are two ways for evaluating the insurance amount you will receive from your company. These ways are ACV and RCV. ACV stands for actual cash value and is common in the areas that are more likely to suffer heavy winds and hail storms. This way usually considers the age of your roof and you get the amount after deducting the depreciation and other deductibles. RCV stands for replacement cost value and is a traditional way of calculating the coverage.
You will receive the amount for a full roof replacement after parting the deductibles. We are the trusted and experienced hail damaged roofing contractor in Saint Paul Minnesota. Our professionals will help you in getting the most from your insurance claim. We make sure you get through the roofing insurance claim process with ease. Contact us and let’s do all the heavy work on your behalf.