Here’s what every homeowner should understand about their roof insurance from inspections to long-term protection.
Home damage is stressful enough, but working through the insurance claims process on top of it can be a lot at once. From storm damage and fallen debris to hail and high winds, knowing how roof insurance claims function will save you from getting denied coverage or an unexpected out-of-pocket bill once the event happens.
Did you know that most homeowners’ insurance policies cover sudden or accidental damage, but typically do not cover normal wear and tear, routine maintenance, or pre-existing issues? This is where proper documentation and professional inspections come in!
Most homeowners’ insurance policies cover sudden and accidental damages, including:
This article is about how homeowners can navigate their way through the roof insurance claims process, what to expect, and why you can make matters even better and make a difference with a trusted roofing professional.
Assess the Damage (Safely!)
Avoid climbing on your roof yourself after a storm or probable damage. Roofing damage is not always visible, and the safety hazards are great. Instead:
Search for signs from the ground (missing shingles, debris, sagging areas). You should check inside for water stains or leaks. If you can, document with photographs what you see. A roof inspection by a professional is also a safer and more accurate assessment of the condition, and it ensures nothing is missed.
Call your insurance company
Start the claim after confirming the damage you have already sustained by calling your insurance company. Be prepared to provide the date and the nature of the damage, photos or documentation, and a description of visible issues. Your insurance company will normally appoint an adjuster to examine the property and estimate coverage.
Book a professional roof inspection
This step is critical. A roofing contractor who is licensed can spot storm damage that most homeowners might not notice right away. These professionals thoroughly document their findings for insurance purposes, and clearly explain the repairs or replacements needed. Roofing contractors can also help you understand what your specific insurance policy covers. It’s important to have a professional inspection done in person before or during the insurance adjuster's visit.
Meet with the insurance adjuster
When the adjuster is conducting the inspection:
Pass documents along and inspection results. Request coverage and next steps. Review all areas damaged. There should also be a roofing professional who can provide technical troubleshooting support, as well as advocate for an assessment to be executed all-around.
Review the Claim Decision
When your insurance company finishes the inspection, it will issue the approval (full or partial), request for more information, or a denial.
If you approve it, you find out:
If something is not clear or isn’t totally complete, it’s okay to ask questions to gain clarity.
On approval, repairs should be made immediately to prevent secondary destruction. Select a roofing contractor who is an experienced contractor working at the insurance level and has clear communication for the whole process.
Learn from Common Insurance Claim Mistakes
A proactive approach will guarantee the safety of your roof and your investment. The types of mistakes and assumptions people generally make while making roof investment decisions to have a roof renewed and repaired consist of:
In short, if wind, hail, or severe weather is blowing past and blowing on your roof, do not delay. If the inspection is conducted promptly, it can help to keep small problems from becoming expensive issues. Make sure your insurance claim is being handled properly.
At Morley Roofing, we provide confidence to homeowners trying to understand their roof damage and insurance claims. Our expert team provides well-done, honest visits to the roof, provides simple records for insurance purposes, helps with all stages of the insurance process, proper repairs, and ensures all repairs and replacements are done correctly with care, craftsmanship, and consistent communication. That's the Morley Way!
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