Should I File A Claim For Roof Damage

Thunderstorms wind storms hail storms and even tornadoes can all cause wind damage to your property and even high winds can wreak havoc on unsecured structures or rooftops causing roof leaks and other potentially catastrophic roof damage.

Should i file a claim for roof damage. Write down detailed descriptions of the damage and its location on your roof to include with your claim. Call your insurance company as. However before you do call in professional roofing contractors to inspect the damage to determine if filing a claim is really the best option. Filing a roof replacement insurance claim if your roof has recently been damaged it is important to file a claim with your insurance company right away.

Contact your insurance company. If possible also take pictures of. For some homeowners submitting a roof damage insurance claim can actually produce stress. This lowers the price you ll pay for coverage.

Be sure to take as many pictures as you can of the roof damage. An accurate roof damage estimate creates a good foundation for the rest of your insurance claim helping you get the exact amount of money you need from your insurance company to repair your roof to its pre loss condition. Instead you can opt for a policy with a higher deductible. Whether or not you notice any immediate damage it will be important for your future insurance claim to mitigate any potential problems by placing tarps over the roof and checking for water damage mold or other issues that may cause further damage before your roof claim can get paid out and your roof can be restored or repaired.

When filing an insurance claim it is important to have evidence that the damage you are claiming is new. Sometimes whether you should file a claim is much more important than if you re able to collect on the damage. Should you file a roof hail damage claim after a storm. If you suspect there is roof damage from a storm inspect your entire home not just the roof.

Maybe but it is important to note not all damage merits a claim. Most insurance experts recommend foregoing filing a claim if the damage is worth less than 5 000. Obviously hail can damage a roof but it can also block vents air conditioning fins and gutters. If you live somewhere where wind damage or wind storms are a regular occurrence you should know how to handle wind damage insurance claims and similar insurance issues which are often covered under your homeowners.

However if you do not agree with your insurance company s decision you have the right to file a dispute. When a claim is denied you could be stuck footing the bill for repairs or a total roof replacement yourself. The first good step in making a roof claim is to try to understand your policy. Be observant and take careful notes.

Navigating the process of filing a claim can vary slightly by insurance company but generally the steps include. Getting an accurate roof inspection when filing a claim is crucial.