Filing an insurance claim for your roof isn’t as straightforward as it seems. Without the proper documents, there might be delays in processing your claims, resulting in a late or denied payout. So, it’s important to follow the below guidelines when filing an insurance claim.
Document Roof Damage After an Extreme Weather Event
After a storm has passed, always document the damage to your home. Taking pictures before and after a storm has passed is helpful – it can help your insurer assess the extent of the damage faster.
However, don’t wait too long. Left unattended, the damage to your roof can affect other parts of your home, making it impossible for your insurer to assess storm damage. Remember, a standard roof insurance policy only covers initial damage from an extreme weather event, not damage resulting from neglect on the homeowner’s part.
Ask for an Estimate From a Reputable Contractor
Asking for an estimate from a qualified contractor you trust can help you get an idea of the kind of payout you can expect. It’d be a good idea to ask your roof replacement contractor if they offer claims processing assistance. Things will go a lot smoother with an expert helping you, after all. If you need help with filing a claim with your insurer, Bradford Exteriors can assist you with the process.
Meet With an Insurance Adjuster
An insurance adjuster will then inspect your home to calculate your insurance payout. A lot of homeowners feel nervous about the idea of meeting with an adjuster, but this shouldn’t stop you from voicing your concerns. To help clarify any issues you might encounter, one of our Haag-certified inspectors can be on hand when the adjuster arrives.
Wait for the Insurance Payout
Once your insurer processes your claim, you should receive a check for the repairs.
Aside from insurance claims processing assistance, Bradford Xteriors, a recipient of the Angie’s List Super Service Award, also offers professional roofing and siding services. To get a free estimate, call us at (614) 483-6215, or fill out our form here. We serve homeowners in Columbus, OH, as well as the surrounding communities.