Filing an insurance claim for the damage of your roof can seem like an impossible time consuming task, but Phillips Roofing & Restoration will help make the process as simple as possible. The first step should be securing your home or business property so that no further damage occurs to your property. This means checking if the damage has caused leaks that will cause any more damage to the interior of your property. Your next step should be to contact your insurance provider as soon as you can. An important step is to make sure you have your policy in hand, so you have the exact date that the damage happened. We can answer any questions you have about the insurance claim process, and guide you the entire way for peace of mind. Our years of experience can get you through this process easily.
Dealing with a roof that has suffered storm damage can be enough of a hassle, but convincing your insurance company to pay for the repairs can make you feel like you’re ready to jump of a proverbial bridge. There is someone who can help you, and it’s not your insurance adjuster. A roofing contractor can give you valuable information and advice on how to file an insurance claim.
What to Avoid When Filing Your Claim
Filing a roofing claim with an insurance company can be a complicated process. And while homeowner’s insurance can save you thousands in repair costs after a storm or some other disaster, there are some incidents that won’t be covered in your policy. You should look at all the details of your policy before disaster strikes.
Insurance companies will add certain exclusions to their policies so they can protect themselves from fraud, but they’re not always as clear as you may think. Every insurance company will cover roof damage in a different way, so you should check your policy to see if it has any of the following exclusions:
- Improper Maintenance — Insurance companies will often take a look at the damage that has been outlined in your claim. And if they believe that it was caused by lack of proper maintenance, you’ll have to pay for the repairs.
- Materials — Some policies won’t pay for certain roofing materials because of the additional cost, so you should check your policy for these types of exclusions to make sure the repair costs will be covered.
- Old Roof — It doesn’t make sense for an insurance company to cover a roof that nearing the end of its lifespan, which is why many of them won’t cover it if it’s 20 years old or more. If your insurance company has this kind of restriction, you should know how they determine a roof’s age. While many homeowners will install a new layer of shingles, many insurance companies won’t see it as a new a roof. They will determine the roof’s age by looking at the bottom layer of shingles, and many insurance companies won’t cover a roof with more than two layers of roofing material.
- Repair vs. Full Replacement — In some situations, insurance companies may only cover a roof repair rather than a full replacement. Usually they’ll cover repairs (such as missing shingles) after a storm. But if the damage is severe enough to require a replacement, your policy might not cover the entire cost.
Be sure to speak to a roofing contractor for more information on filing a roof insurance claims.
Your Resource for Filing Roofing Insurance Claims in the Coastal Bend!
Filing an insurance claim for the damage of your roof can seem like an impossible task, but Phillips Roofing and Restoration can help you simplify the process. It’s always a good idea to secure your home or place of business so no further damage can occur, and you should know the exact date that the damage happened. We would be happy to answer any questions that you may have about the process, so feel free to get in touch with us.
DON’T HOLD OFF TOO LONG, MOST INSURANCE AGENCIES HAVE STRONG DEADLINES THAT HAVE TO BE MET.