Here’s What to Know About Filing a Claim!
If your home has been severely damaged, filing a roof damage insurance claim will be one of the last things on your mind. Instead, your attention will be focused on securing belongings and restoring your home’s stability. Sudden storms can leave homeowners in difficult situations, especially when insurance claims are involved. At JW Roofing, we encourage customers to take a proactive approach. Here’s what you need to know about storm damage, filing an insurance claim and finding a good repair contractor.
So, how can I effectively handle my roof damage insurance claim?
As we said, it’s best to be proactive. After a storm passes you might be tempted to contact your insurance company immediately. However, it may be in your best interest to contact a roofing professional first. To help you handle your insurance claim effectively, here’s what to do following a major storm:
Inspect your property
Following torrential rains or powerful winds, check your property for any damage shortly after. Inspect the exterior of your home, noting any damage to your roof, doors, windows or siding.
Contact your roofing professionals
After a storm hits, you might be tempted to call insurance companies for repair or replacement estimates. While this may seem logical, it may not be in your best interest. JW Roofing recommends contacting your roofing contractor first. A professional roofer will have the knowledge, experience and equipment needed to properly assess storm damage. Roofing companies also work with insurance companies often and understand the estimate process. Do you need help finding the right roofer near you? Our team at JW Roofing has a few tips to consider.
Review your policy
A quality roofing professional will assist you in reviewing your insurance policy. Discussing your policy with your roofing contractor will give you a better idea of what may and may not be covered by insurance. After all, roofers frequently work with insurance companies and understand their policies. We aim to serve as an ally for navigating the roof repair process for all of our customers at JW Roofing.
Contact your insurance company
The roof replacement process might seem daunting, but a professional can help you handle it like a pro. A quality roofer will guarantee a thorough inspection. Calling out a roofing contractor will ensure a more accurate appraisal. Our contractors will dive deeper to find problems that may go unnoticed by the untrained eye. The claims process may seem confusing, but our expert roofers can help contact your insurance company and substantiate your claim.
Prepare to file a claim
Ready to settle your insurance claim? Here’s a checklist of items to prepare:
1. A list of damaged property
It’s best to have a list of the damage done to your property. Professionals like those at JW Roofing will offer to compile a list and gather photos for you!
2. A list of what the adjuster should inspect
Once your property has been thoroughly inspected by a roofing professional, ask for a list of items or areas to be called to the attention of the adjuster.
3. Copies of documentation
Your insurance may require a deductible. A deductible is an amount of money that you will pay out-of-pocket before insurance will cover the cost. Read your policy and have copies of documentation to quickly find your deductible and coverage limits.
4. Repair or replacement quotes
If you’re working with a roofing contractor, ask them to be present when the adjuster visits your property for an inspection.
Don’t put off scheduling an inspection!
To make the most out of your insurance claim, you need a trusty ally who looks out for your best interest. Schedule an inspection today with one of Dayton’s most trusted roofing contractors. At JW Roofing, we will be there to support you every step of the way. Book your appointment today!