Is My Roof Covered by My Homeowner's Policy
Submitting an insurance claim for a new roof can be a daunting process, but it is an important step to take when your roof has been damaged due to a covered event. Whether it was caused by severe weather, fallen trees, or other unforeseen circumstances, you need to file a claim with your insurance company as soon as possible to start the process of getting your roof repaired or replaced.
Here are some tips on how to navigate the process smoothly to submit your insurance claim:
1. Review Your Policy
The first step in filing a claim for a new roof is to review your homeowner's insurance policy. Understand what is covered and what is not. Your policy may cover certain types of damage, such as wind or hail, but it may not cover other types of damage, such as normal wear and tear. Review your deductible and understand how much your insurance company will pay for a new roof.
2. Document the Damage
Before you start the claims process, document the damage to your roof. Take photos and videos from multiple angles, and make note of any visible damage or leaks. You'll want to have this documentation ready to share with your insurance adjuster.
3. Contact Your Insurance Company
Contact your insurance company as soon as possible after the damage occurs. You can usually find a claims phone number on your insurance policy or on the company's website. Be prepared to provide information about the damage, including when it occurred and how it happened.
4. Meet with an Insurance Adjuster
After you file your claim, your insurance company will send an adjuster to assess the damage to your roof. The adjuster will take a closer look at the damage and provide an estimate for the cost of repairs or replacement. Be sure to point out any damage you noticed and provide the documentation you collected.
5. Hire a Roofing Contractor
If your claim is approved, your insurance company will provide you with funds to cover the cost of a new roof, minus your deductible. You'll need to hire a roofing contractor to complete the work. Be sure to hire a reputable contractor with experience working with insurance claims.
Cost Saver makes the insurance claim process quick and easy, saving you more than just money by dealing directly with your insurance company. Unlike many roofing contractors that make you do all of the leg work, Cost Saver will review your policy with you, document the damage, contact your insurance company, and meet with your claims adjuster. All that’s left is picking your color and materials and sitting back while our roofing experts complete the installation.
If you think you have roof damage that would be covered and want to see if it’s covered by your insurance policy, contact Cost Saver today to schedule your complementary inspection.