Your roof is the key to keeping your home and your family safe.
So what happens when your roof gets damaged, and how do you go about getting it repaired?
Read on to discover the many do’s and don’ts of roof insurance claims so you can be sure you’re getting the right results that will make your home whole again.
The Do’s of Roof Insurance Claims
In most cases, your roof is likely damaged as a result of a storm or other severe weather. When the skies are clear, you’ll need to perform a thorough assessment of the damage.
Take as many photographs as you can, and use the time and date stamp for each photograph. Pictures will create a clear catalog of the damage to your roof and can be useful when you go to file the claim.
You should also call your insurance company as soon as possible. If you delay, you could make things more difficult when it comes time to get repair work completed.
Read your policy thoroughly to find out what is covered. In some cases, you could only be compensated for the depreciated value of a brand-new roof.
Whenever possible, accept repairs rather than a full replacement. This will make things much easier when you deal with the insurance company.
Always do your homework and research local roofers. Your insurance company can recommend someone to you, but you’re allowed to use a roofing company of your choice if you find someone you prefer.
When it comes to making roof insurance claims, there are also several things you should not do. First and foremost, never attempt to make any repairs yourself.
You are perfectly fine putting a tarp over the roof to give you temporary cover, but any repair-like work should never be performed by yourself. If you do this, it will make filing a claim next to impossible.
Never allow your roof to get older than 20 years. At the 20-year mark, most insurance companies will pay for repairs only. Therefore, if your older roof needs to be replaced, the insurance company likely won’t cover it at all.
Don’t avoid answering questions posed by the insurance company assessor. Be honest and tell them exactly what caused the damage, as well as any other prior concerns about the roof’s integrity.
Finally, don’t throw receipts from older roof repairs away. You should always keep good documentation on file that shows you’ve done your due diligence in the past if things needed to be fixed.
Roof Repair for Your Home
If you need to make roof insurance claims, follow these helpful do’s and don’ts so you can be prepared for what’s next. With some diligence and planning on your part, you should be able to get the repairs you need.