If you need to get your roof repaired after damages, you’re going to need to speak with your homeowners insurance company. It’s a necessary step to get your repairs covered.
You may feel like you’re trying to go about it all alone, but your roofing contractor in Indianapolis can help you get through the process. Whether you’ve incurred damages from winds, hail, ice dams, or simple wear and tear, you may not know where to begin.
Basically, the process will start with an inspection. Then you’ll file a claim and have your insurance adjuster inspect the damage. Once approved, the insurance company will send you a check to cover the work. However, to make things go more smoothly, here are a few steps to help you navigate the process.
When you have damage to your roof, the sooner you act in filing your insurance claim, the better. The longer you leave your home vulnerable, the more likely it is to take on additional damage. It’s ideal to make temporary repairs until the full project can be completed.
Document Your Roof Damage
To help speed up your insurance claim for roofing projects, it’s ideal to have documentation to hack it up. Photos and videos can be very helpful to show shingle granules on the ground, missing or damaged shingles, broken gutters, leaks inside your home, and other damages that need repair.
Get to Know Your Insurance Policy
Insurance policies aren’t exactly the easiest to understand. However, looking at what your homeowner’s insurance policy entails can help you see what is covered. Your policy may not cover your roof if it is 10 years older, or they may only cover certain types of damages. You’ll want to know more about it before you call to file a claim.
In most cases, homeowners insurance will cover your roof for weather events such as wind, hail, or lightning strikes. Debris, such as falling trees that damage your roof or fire are usually included as well, though you must look at your policy to find out more.
Involve Your Mortgage Company
If you have a mortgage on your home, then the mortgage company should be aware of the damage that needs repair. Their interest in your home is in keeping it at the same value. Additionally, your mortgage company may have to endorse the check from your insurer.
Use Experienced Roofing Contractors
When you choose experienced roofing contractors, you’ll be in good hands. Not only will they know how to take care of your roof in the right way, but they’ll also be able to help steer you through the insurance claims process.
A roofing company that has been in business for many years will have experience working with insurance companies. They’ll work with you to help you get the service and coverage you need.
From roof repairs to a full roof replacement, the key to getting through insurance claims for roofing projects is to work with the right roofing contractor who will make this situation less stressful.