How can I navigate the insurance process effectively to secure coverage for a much-needed roof replacement?
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To get insurance to pay for roof replacement, follow these steps:
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Review your personal homeowner’s policy for roof coverage. Most policies cover property damage, accidents, and natural disasters, but they also have a deductible of $1,000. The roof insurance claim process is different for every policy, with some requiring timely reporting or having a 10-year mark or depreciated value clause.
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Assess the damage on your roof. Only inspect a roof when safe or hire a local roof repair pro. Take pictures of the damage and make a list of all parts that will need to be repaired or replaced. Secure your roof and home from further damage to the best of your ability.
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Document all roof damage. Many insurance companies won’t pay for repairs if they don’t have to. A written record of these events can help bolster your claim when talking to an inspector.
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Contact your homeowner’s insurance. Be specific about the nature of the roof damage and repairs needed, especially if the integrity of your home is compromised due to weather damage.
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Meet with a roofing specialist. Look for a roofing specialist in your area who has experience working with insurance companies, is licensed, gives you a detailed written estimate, and describes the damage as they see it on paper.
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Submit your roof damage insurance claim. Be patient after you submit your claim. Insurance companies may request additional paperwork, ask for clarification on detailed aspects of your claim, and ask about your roof’s warranty.
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Avoid storm chasers and scams. Storm chasers typically don’t have a local office and are not around years down the road when something goes wrong with your roof.
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Stay in touch with your agent. They are your contact person throughout the process and can quickly get in touch with important people, such as the adjustor and roofing contractor.
How does this impact the home owner? You will pay the deductible regardless
When making a claim, I wouldn’t start with “Our roof is really old.” I would start by saying, “Our roof has been well taken care of and has been in great shape.”