Here’s what you need to know:
1. Always Use A Licensed Local Roofing Contractor
First, you can’t get roofing work insured if you don’t use a licensed contractor. It’s crucial to be alert to roofing scams, as fake contractors often go door-to-door after a storm. Don’t agree to anything and never pay cash. Also avoid doing any roof work yourself.
2. Contact A Roofer Promptly to Get on Their Schedule
Reputable roofers end up with a backlog of work after any storm hits. Even if your roof won’t be worked on right away, it’s crucial to get in touch with a roofer so you can get on the schedule. It may mean the difference between waiting days or weeks.
3. Protect Your Home With Emergency Tarping
Lots of homeowners learn too late their insurance policy includes a duty to minimize damage that takes place after a storm hits. That means getting waterproof tarps on the roof as soon as possible. This also protects the interior of your home from water damage and mold.
4. File Your Claim as Soon as You Can
All insurance policies include a clause limiting the amount of time policyholders can wait before they make a claim. Often, this is a generous amount – more than a year – but sometimes it is very limited. As soon as your home is protected from future damage, start working on your claim.
5. Get a Roofing Inspection Done
An insurance adjuster will generally need to examine the damage in person before approving a claim, but sometimes you can accelerate this process. Get your roof inspected and the damage photographed. Save the photos and the written inspection report to submit with your claim.
6. Ask About Roof Repair Warranties
When it’s time to meet with your local roofer, don’t forget to do your due diligence. Ask them about warranties, rebates, and other incentives that protect your roofing investment against future damage. Roofers may guarantee their work, and many roofing manufacturers have warranties.
7. Partner With Your Roofer to Get the Claim Done
Submitting an insurance claim can be stressful and time-consuming. Luckily, the best local roofers take the time to build expertise on the insurance claims process. Ask your roofing team if they can help you with the process to maximize the chances your work will be covered.
8. Avoid Paying Out of Pocket for Roof Work You Want Insured
Often, insurers will cover the cost of roof damage in two installments. Avoid paying any money out of pocket to a roofer to “get a project started” and never sign insurance company checks over to your roofer. If a roofer requests immediate funds, call your insurer directly.
No one wants to be in the position of making an insurance claim for roof work, but choosing a trusted local roofer makes the process easier. For all the help you need, contact Plair Homes today.