If hail, high winds, or other storm damage has actually left you requiring a new roof, you are entitled to make a claim on your home owner’s insurance coverage. Depending on the insurance company, your roofing service provider may have the ability to deal directly with the insurance company. In other instances, you will need to file the claim yourself.
The initial step in making a claim is to call your insurance company. They’ll make an appointment with you to send an adjuster out. Get the adjuster’s name and telephone number. It’s a good idea to have your roofing service provider at the meeting also so they can easily review the situation directly. If your insurance adjuster rules that you have no damage to your roof, you are entitled to a reinspection by an additional adjuster. Do not be shy about requesting this.
Typically, the total price of the replacement roof is covered, minus the deductible. The amount of depreciation based upon the age and condition of the property is taken into consideration. The first check represents the Actual Value of your present roof. If you have a home mortgage, the name of the mortgage company will definitely need to endorse the check as well as you.
As soon as the replacement has been completed, your insurance company will release a 2nd check for the recoverable depreciation. If you are using a trustworthy roofing contractor, they ought to be able to help you get the full amount you are due. Nonetheless, stay clear of making any sort of profit on the deal, as this is insurance fraud, which is a federal offense.
If your roof is found to be damaged, but can be fixed instead of replaced, you will certainly not get total replacement value. Your roofing contractor could be instrumental in assisting the adjuster to fully assess the damages. That can easily help you to receive the most suitable solution to your problem.
Hail damage, in particular, might not be noticeable to the untrained eye. If your roof has been exposed to a hailstorm of more than a couple of moments, even if the hailstones are little, you ought to have a roof examination by a professional trained in hail assessment. The adverse results of hail damage might not become apparent for some time, at which point you may not be able to file a claim.
Ensure that you totally understand your insurance coverage and your obligations before you need to place a claim. Review your insurance contract, and request clarification on anything you don’t understand. Considerable roof damage can happen easily, and replacement is expensive, so it’s smart to be sure that you have the protection you require.