The process of filing a roof insurance claim and dealing with insurance adjusters to get a reimbursement of part or all of your roof replacement costs can be daunting. Most homeowners are not aware of what goes behind the scenes of a roof insurance claims process. Fortunately, we’ve highlighted all the critical steps you require when dealing with a roof insurance claim, including the documents you need and what to expect. Read on!
Know What Your Policy Covers
The easiest way to know what your roof insurance policy covers is to contact your insurance agent. Some policies take the present age of your roof into account when evaluating claims. Generally, your insurer will send an insurance adjuster to verify the cause of the damage before processing your claim. If the damage is occasioned by aging, poor roof condition, or wear and tear, your claim will be denied. Always work with a professional roofing contractor to inspect your roof damage and document everything to avoid claim denial.
Document All Damages
To ease the experience of processing a roof insurance claim and get a proper settlement, you need to document all damages. This may include more than just your roof. Take “before” and “after” pictures of your roof and your home’s exterior. Whenever you have repair or maintenance done on your roof, take new pictures and update your gallery. After the damage has occurred, take a set of “after” pictures. Document all the damages as well as estimates, bills, invoices, and payments made. Having these records will provide adequate proof to the insurer and smoothen the claim process.
Schedule Professional Roof Inspection
If a closer look is needed on your roof, call a professional roofer to inspect your roof and share a detailed report with your insurance provider. It’s also a good idea to have your roofer on site when the insurance adjuster comes. Once it’s determined your roof warrants a replacement, you can initiate the process of filing a claim.
Depending on the magnitude of the damage in the area, it could take a few weeks to get a roofing inspection done and an insurance adjuster on site. Your insurance adjuster will take pictures of the damage and compare notes with your roofing contractor before giving a quote.
How Long Can it Take to Get Approval?
Once the roof is inspected by your roofer and your insurance adjuster, it can take up to two weeks to get a loss statement and first check from your insurer. Some insurance adjusters are able to print claim summaries and cut checks on the spot, but most don’t. You can ask them to email you the statement to expedite the process by a few days.
Your roofing contractor should then compare the loss statement with his estimates. If all the required work will not be covered by your insurer’s loss estimate, they will send a supplement request to your insurer for review. When you work with an experienced roofer who understands his job, there shouldn’t be many variations.
How Your Roofer Gets Paid
Once your roof insurance claim has been settled, your insurer will send you a scope of loss and a check for deposit. Your roofing contractor will go over the scope of loss and determine what work is covered and begin the necessary paperwork for roof repair or replacement.
Your insurance company will disburse the payment by paying the total insurance claim less your deductible. As with many types of insurance, you will only need to pay your deductible. The first check will be a partial payment for the approved works while the rest of the checks will come once the job is completed. Sometimes, it’s possible to get a supplementary check if further damages are discovered during the restoration process.
If you still have a mortgage on your home, your insurer will make the check payable to you and your mortgage provider. It’s because your mortgage company has a vested interest in the investment, and they need to know what kinds of restorations are done on the property.
Work with an Experienced Roofing Company
The process of filing a roof insurance claim can be long and tedious, but if you work with the right professional roofing contractor, it will be smoother and stress-free. Experienced roofing specialists at LB Solutions, LLC, in the Twin Cities will work with you the entire time to help expedite the claim process and handle much of the follow-up paperwork on your behalf. We can discuss and address any discrepancies between our estimates and your insurance company’s claim summary. Contact us today for any clarification on the roof insurance claim process or about our roofing services.