Storm damage is easily a homeowner’s worst nightmare. Apart from compromising the home’s defenses against the harsh elements, fixing storm damage can be costly. You can help reduce the costs by filing an insurance claim, but how can you be sure that your insurance provider will approve your request? Our team of roofing experts shares a few tips on how to handle an insurance claim.
Storm damage can rapidly cause more problems for your home (and your wallet), so you shouldn’t be wasting your time either. As soon as you’re able to, file an insurance claim. Acting quickly decreases the chances of your insurance provider dismissing your claim under the assumption that the damage was caused by neglect.
Check Your Policy’s Coverage
One of the most important things you need to find out right away is whether your roof’s problems are covered by your current insurance policy. Some policies are very specific when it comes to what type of damage has to be fixed. Some policies can provide coverage for hail damage while others might be limited to wind and moisture damage. This is why it pays to read the fine print before signing up for an insurance policy in the first place.
Remember that the amount of coverage provided by your insurance company is relative to the estimated costs of repairing the roofing problem. Exaggerating your claims to get more cash or downplaying the extent of damage (to increase chances of approval) can cause problems later on if their accredited damage inspector finds contradicting information. Just be honest and accurate when explaining the situation to your insurance provider.
Work With a Roofer
Having a more accurate assessment of the damage makes it easier to make a case for your insurance claim. This is why many experts recommend talking to a reputable roofing company to help assess the total extent of hail or wind damage before even going to your insurance provider. It also helps if your chosen roofer is recognized by the insurance company.
Let us help you take good care of your roof. Goodrich Roofing is the most trusted roofing maintenance company in New Mexico. You can call us at (505) 219-4450 or fill out this contact form to request a free quote.