Damage to your roof due to extreme weather events such as hurricanes, hailstorms, and windstorms are, unfortunately, a fact of life for most Americans no matter which part of the country you live in. They just simply cannot be avoided. Luckily, most roofing insurance policies will have coverage for the type of damage that severe weather often brings. In today’s post, your friends over at Frame Restoration Roofing and Construction share how storm damage insurance claims work so you’ll know what to do in case your roof gets badly hit by a storm.
How the Insurance Claims Process Works for Storm Damage
Most home insurance policies will cover unexpected damage to your home and this includes storm damage. However, the insurance claims process isn’t always easy and insurance providers will often have stipulations about things like the age of your roof, how often it is maintained, etc.
Keeping that in mind, here’s how the typical insurance claims process works and what you can do to help it go smoothly.
Step #1.
Immediately after the storm passes and it is safe to go outside, be sure to give your roof and other exterior components of your home a quick inspection. Try to document everything and take as many photos as you can.
Step #2
Call in your local roofing company so they can conduct a more thorough inspection and perform temporary repairs to prevent further damage.
Step #3
Once everything is secure and documentation is complete, now is the time to call in your insurance company’s 24/7 emergency claims line so they can send over an insurance adjuster to assess the extent of the damage and begin the claims process.
Step #4
The insurance company will then process your claim and will cover the cost of repairing or replacing your roof depending on the terms of your insurance policy. Take note that this is the ideal situation. Many times, your insurance provider will dispute certain aspects of your claim. If this is the case, you can hire a public adjuster to ensure you get the maximum coverage allowable.
If you are dealing with an emergency roofing situation after a bad storm then be sure to give Frame Restoration Roofing and Construction a call at (469) 346-8544 or fill out our contact form to get in touch with one of our roofers right away.