Discovering significant damage to your roof can be a stressful time for most homeowners. Having to navigate the insurance claim process can require lots of follow-ups with insurance adjusters, roofing contractors, and in some cases your mortgage company. To ensure you can handle the insurance claim process from start to finish, Rhyne Restoration & Roofing recommends you follow these five steps.
If you suspect your roof is damaged, call Rhyne to come and inspect your roof. Keep in mind that even if your roof looks intact from the outside, there could be significant internal damage that only a trained roofing specialist can identify. Some insurance policies have stipulations that detail how long you can wait after the damage has occurred to your roof and still have the damage covered under your insurance policy. After a severe storm and as soon as it is safe to do so, have your roof inspected.
An experienced roofer like Rhyne will know where to look for damage and will be thorough in documenting the damage and how extensive it is. They will often take pictures of damaged areas and submit to you a written explanation of what needs to be repaired and the estimated cost to repair. In some cases, you may have roof damage that is not major enough to warrant an insurance claim and in this case, your preferred roofing contractor can work with you to plan how to repair your roof. In other cases, you will need to get your homeowner's insurance company involved and will need to provide proof of damage, including measurements, the events of that caused the damage, and dates and times the damage occurred. It is always good practice to take periodic pictures of your roof, especially after maintenance has been completed. Be sure the images are clear and well labeled with the date and time. If possible take several pictures from various angles to accurately show the entirety of your roof and the state of your shingles. This way you can make a more compelling argument and will have visual proof to justify that the damaged areas were not present before the weather event and were a direct result of the weather event.
When dealing with extensive roof damage, be sure to contact your insurance company immediately. If you wait too long, you may not be able to submit the claim. Always have a current policy of your homeowner's insurance handy to review to see what statute of limitations may be in place for reporting damage and what types of roof damage are and are not covered. Keep in mind that some homeowner's policies have additional guidance detailing the amount of damage that will be covered. For inspections, if your roof is more than ten years old, your insurance company may only cover a portion of the roof replacement cost, based on the depreciated value of your roof. If you are ever unsure of the exact roofing insurance coverage you have, contact your insurance provider. When you submit your roof insurance claim, an insurance adjuster will be sent to inspect the damaged areas and determine the cost that the insurance company will pay out to repair or replace your roof.
Assuming your roof insurance claim is covered under your existing homeowner's policy, you will be given funds to repair the damage. At Rhyne Restoration, we are roof replacement specialists who will work with you to make sure your claim is submitted promptly, and you can get the maximum reimbursement for your roof replacement.
Most roofing contractors will provide a free roof inspection and a free roof replacement estimate. However, watch out for contingency contracts that may be disguised as inspection reports. By mistakenly signing one of these contracts you are agreeing to give the job to that roofing company, if your insurance claim is approved. Remember, when you are gathering estimates, you should not have to sign anything. If you are pressured into signing something, it is a tell-tale sign that it is time to pursue a more trustworthy roof replacement contractor. Checking the better business bureau website and selecting only those roofing companies that have an A- or better rating is a good way to narrow down your list of options to only those roofing professionals who are capable of doing quality work.