It is common for homeowners to neglect their roof until they notice a leak in the ceiling due to heavy rainfall or damages due to other reasons. You can avoid incurring repairing costs with proper roof maintenance. However, some damages are unavoidable for which submitting a home insurance claim can end up saving you money. However, not many homeowners know how to go about the process.
So, how to get insurance to pay for roof replacement? You need to follow the following tips.
Know the coverage of your insurance policy
Before you can make a claim for roof repair, you need to make sure your homeowner’s insurance policy covers it. Insurance companies offer two types of roof coverage, one for repair and the other for replacement.
Under repair coverage, the company reimburses homeowners a certain percentage of repair costs while with replacement coverage, it covers the cost of replacing the irreparable roof. Policies with replacement coverage have a higher premium. Go through your policy to see if you have both covered or one of the two.
Document all damages and report them
To make a claim, you need to show the insurance company damages that your roof has incurred. For this, you need to take pictures of all the roof damage in the ceiling and the roof. Before you get on the roof for pictures, make sure it is safe enough so it won’t collapse under you. If you aren’t sure, call a roofing expert to help you.
You want to submit the claim soon after the damages since most insurance companies designate a certain period in which can make a claim. To back up claim of damages due to a natural disaster, you can also submit news articles as proof.
Hire experts to inspect your roof
Once you’ve submitted your claim, you need to have your roof thoroughly inspected. For this, you need a roofing company you can trust. The experts will evaluate the condition of your roof and prepare a report for the insurance agency. The report highlights the damages incurred and ensures that they weren’t the result of negligence.
Insurance agencies either ask you to provide a report or they can send someone to inspect the roof and report back to them. The chances of denial are higher when agencies send a third-party expert because they will try to find reasons to favor the agency over you.
Result of your claim
After the claim and report are submitted, the agency will get back to you with the result of your claim. The time frame varies from one agency to another but is around 15 days on average. If your roof insurance claim is denied, you can appeal and your insurance agent can guide you on how to do that since it differs from company to company. If approved, you can contact a roofing contractor and have the repair or replacement process started.
With that, we have answered how to get insurance to pay for your roof replacement and repairs. The process is simple but you must do everything quickly after your roof incurs damages. One of the hardest parts of the process is finding a roofing contractor you can trust.
Authentic Restoration has you covered. We have decades of experience providing roofing solutions to homeowners and commercial building owners. We offer a thorough inspection of the roof, making sure to cover every damage to back up all your claims. When it is time for the work, we have a team of highly-skilled Birmingham roofing contractors and provide quality services at affordable prices. Call us at 855-849-6494 and we can help you with all your roofing needs.