Rooftop storm trauma can be irritating, but not quite as irritating as filing a roof damage insurance claim. Choosing which parts of the damage to include, filing the appropriate paperwork, and waiting on the phone can all feel overwhelming. Thankfully, there are ways you can simplify the process and ensure that you get a fair response from your home insurance company. Here’s how!
Claim Tip #1: Get a Professional Inspection First
Pick a roofing company that you trust and have them perform a post-storm inspection before your adjuster before or during your adjuster’s visit. Depending on the extent of the damage, you’ll need to decide if repairs or replacement is the most cost-effective choice for you. You can talk with your roofing expert about what damage is worth filing for and any other trauma that might need to be taken care of outside of your policy.
Claim Tip #2: Gather Your Documentation
Compile all the documentation you can get your hands on. That includes your inspection’s summary report and professional estimate, before and after photos, your adjuster’s report, and anything else you can think of. All of this documentation can help you get the response you’re looking for from your insurance company.
Claim Tip #3: Hold Onto Those Receipts
Not all policies are the same, but some may cover expenses you haven’t even thought about. Any supplies you bought to protect your roof while waiting for repairs, your stay at a nearby hotel during roof work, and other potential costs are sometimes covered by your policy. Check your policy to make sure, but keep those receipts!