Roofing insurance claims can seem messy and stressful. Even more so when your roof is badly damaged, and you’re constantly living under a big gaping hole. However, with the right roof evaluation company and a little bit of guidance, you can get through the whole thing without any trouble and maybe even a brand-new roof.
So, if you’re wondering, “how do roofing insurance claims work?”, here’s what you need to know.
The first step to roof insurance claims is to get your roof evaluated. The right company will do a thorough inspection of the state of your roof and inquire about other factors as well, such as how well you’ve maintained the roof yourself. Based on all this information, they will be able to give you an accurate estimate of how much it will cost you to repair the roof.
Furthermore, if they have the experience, they will also be able to tell you how you should go about filing the claim for the roofing. If you’re still thinking about why you even need to get a roof evaluation, read about these other reasons why a roof inspection is important.
File the Claim
Once you know what the roof repair will cost, it’s time to file the actual insurance claim. Usually, you do have some time before you can file a claim, but you shouldn’t wait too long as sometimes it can affect the outcome of your insurance claim. After you have filed the claim, the insurance company will send in their own agent or representative to inspect the roof’s condition themselves. They will also carry out a thorough inspection of the roof and report back their findings to the insurance company.
Get the Insurance Payment
After the insurance company knows the extent of the damage on your roof and, based on the exact terms of your insurance policy, they will offer you some payout for the repairing of your roof. The exact payment you receive will depend on various factors, such as how well you’ve maintained your roof and how old it is.
When Should You File for Roofing Insurance Claim?
When you’ve had extremely bad weather, such as a storm or blizzard, those are usually the times when your roof sustains the most damage. Therefore, immediately after facing such weather, you should inspect the condition of your roof. If there’s any damage, you know what to do as we’ve just explained. Otherwise, even if you can’t spot any visible damage yourself, it’s always a good idea to get an inspection done anyway.
You can live without your phone for a few days if it gets stolen. You can go without your car if it breaks down. But you can’t go without a roof for even one day! So, the next time your roof gets damaged, contact Reroof Plus right away for expert roof evaluation.
What can I do if I’m denied a claim?
You will need an attorney who is knowledgeable in this area and you can get a new roofing inspection from a qualified Roofing Contractor that has resources to handle all these details for you.
Will insurance pay for an old roof?
Most insurance policies will not cover an old roof that has deteriorated from normal wear and tear or neglect, however if the roof has been damaged from a storm or other act of nature, they should pay a claim but may only pay the actual cash value at the current age of the roof.
Why is my claim check made out to my mortgage company?
When your home is seriously damaged, the check will usually have your mortgage lender’s name on the check as well as yours. This help’s prevent someone from cashing the check and keeping the money. This protects you and the investment the mortgage company has in the property.