Key Takeaways:
- Filing a roof damage claim with your insurance provider can help cover the costs associated with repair and replacement — but doing so isn’t always easy.
- Poor roof maintenance is one of the most common reasons for insurance to deny a roof damage claim.
- Before filing a roof damage claim with your insurance company, ensure you have all the necessary documentation, including pictures of the damage and estimates from a licensed contractor.
- An experienced contractor can help you through every step by assessing the damage, preparing a repair estimate, filing the insurance claim correctly, and obtaining approval from your insurer before beginning any repairs.
Are you trying to file an insurance claim but need help to increase its chances of acceptance? All you need is the proper guidance and information.
As a homeowner, you know how important your roof is to keep your house intact. It is integral in protecting your home from the elements and preserving its structural integrity. Unfortunately, weather conditions can cause damage that needs to be addressed immediately so that it doesn’t worsen or lead to further problems. If damage does occur, filing a roof damage claim with your insurance provider can help cover the costs associated with repair and replacement — but doing so isn’t always easy.
Before starting the claims process, homeowners need to be aware of specific steps that can increase the likelihood of having their claim approved for payment. In this blog post, roofing experts from the Standard Roofing Company will provide everything you need to ensure your following roof damage claim is accepted.
Why do Insurance Companies Deny Roof Damage Claims?
1. Poor Roof Maintenance
Poor roof maintenance is one of the most common reasons insurance companies deny a roof damage claim. Insurance companies will look at your roof’s general condition and history of upkeep before deciding whether or not to approve your claim, so it’s essential to keep up on regular maintenance checks with a licensed contractor.
2. Storm Damage
Before filing a claim, you should ensure that your policy covers the damage you are experiencing. Many policies don’t cover damages caused by weather events such as hurricanes, tornadoes, flooding, high winds, etc., so it’s vital to confirm what’s included in your policy before making a claim.
3. Improper Filing
Filing a claim for roof damage can be a challenging task. You must accurately fill out the paperwork, provide detailed descriptions of the damages, and include photos to document the situation. If any information is missing or incorrect, your claim could be rejected.
4. Late Claim Filing
Don’t wait too long to file your claim! Most insurance policies have a specific time frame in which you must file, so make sure that you submit your documents within the allotted timeframe.
Also Read: 18 Waterproofing Tips to Extend the Life of Your Roof
5. Incorrect Assessment
Be aware of what your policy covers, as some providers might not cover every type of roof damage. It’s also essential to accurately assess any pre-existing issues, as the insurance provider may not accept a claim if they believe it is related to pre-existing damage.
6. Not Following Up
Make sure all your paperwork is complete and submitted, and call the insurance company regularly to check on its status. It will help ensure that your claim gets resolved on time.
Tips To Ensure Your Roof Damage Claim Gets Accepted
Having a successful roof damage claim can depend on many factors, but following these steps should help ensure that your claim gets accepted and that you get the money you need for roof repairs or replacement.
Document Everything
Before filing a roof damage claim with your insurance company, ensure you have all the necessary documentation, including pictures of the damage and estimates from a licensed contractor.
Double-Check Your Coverage
Check your policy and ensure that your insurance plan covers roof damage. You may need to purchase additional coverage if roof damage isn’t already included in your policy.
Be Honest About Damage Extent
Ensure that any damages you report accurately reflect the true extent of the repairs needed. If the insurer finds out later that more damage was present than reported, they can deny the claim payment or even cancel your policy.
Hire An Experienced Roofing Expert
An experienced contractor can help you through every step by assessing the damage, preparing a repair estimate, filing the insurance claim correctly, and obtaining approval from your insurer before beginning any repairs. Having assistance from a professional who knows how to work with insurance companies will save you time and ensure that your roof repair costs are covered in full by your insurance company.
Bottom Line
Overall, filing a roof damage claim can be a tricky process. Still, if you know what to expect and follow these tips, you should be fine getting your claim accepted. Make sure to carefully review all paperwork before submitting it. Be clear about the necessary repairs, and always check with your insurance provider beforehand to determine what is covered under your policy. With some preparation, you can rest assured knowing that your roof damage claim will be accepted and you’ll get the money you need to repair or replace your damaged roof.
Standard Roofing Company Can Help You Get Your Insurance Claim
At Standard Roofing Company in Lawton, OK, our experienced team of roofers has extensive knowledge in dealing with insurance companies. We will ensure that your roof damage claim is accepted quickly so that you can get the necessary repairs done as soon as possible. With over 100 years of experience in roofing, we offer premium roofing services like roof replacement, roof repair, roof restoration, waterproofing, and more.
