If you’re a homeowner, there’s a good chance you’ve experienced some roof damage. Whether from a storm, a fallen tree branch, or just old age, it’s important to know your options when repairing or replacing your roof. One option that many people don’t know about is filing a claim with their roofing company.
If you’ve ever been inquisitive about what you need to do to file for roof damage insurance, this blog post is for you! Standard Roofing Company will review the basics of what you need to know before filing a claim. So, whether your roof is leaking and needs repair or needs to be completely replaced – Read on!
1. The Whole Filing Process Is Long
First, the process of filing an insurance claim will be very long. It’s not something you’ll be able to do in a day or even a week. So, if you’re considering filing a claim, you need to be prepared for a bit of a wait.
The crucial step is to inform your insurance provider about damage to your roof. They’re going to want to send out an adjuster to assess the damage and give you an estimate of the costs of repair or roof replacement.
2. Your Insurance Policy Specifies The Insurance Payout
Most policies will cover the expense of repairing or replacing the roof. Still, there may be some deductibles that you have to pay out-of-pocket. Knowing what your policy covers are necessary so any unexpected costs do not catch you off guard.
Once the adjuster has assessed the damage, they’ll give you an estimate of the repairs or replacement. The roof insurance company will likely pay for the replacement cost if you have a replacement policy.
If you have a repair policy, the insurance company will likely only pay a portion of the cost, and you’ll be responsible for paying the rest.
3. The Insurance Adjuster Backs Your Roof Damage Claim
Yes, for those who don’t know, the insurance adjuster is the one who will come out to examine your roof and specify the extent of the damage. They’ll also be the ones to give you an estimate of the repairs or replacement.
It’s important to know that you shouldn’t start any repairs until the insurance adjuster has given you permission to do so. If you do, your insurance claim could be denied, or you might not be reimbursed for the full cost of the repairs.
4. A Roof Damage Insurance Claim Can Be Denied
It’s not unusual for insurance companies to deny roof damage claims. In fact, it happens quite frequently. The main basis claims are denied is that the insurance company doesn’t believe the damage is extensive enough to warrant a payout.
Another typical reason for denial is if the policyholder doesn’t have enough coverage. For example, suppose you have a $500 deductible, and the damage to your roof is only $400. Your claim will be denied in that case because you haven’t met your deductible.
Get Your Roof Repaired by The Pros in Oklahoma City!
You want to make doubly sure that you’re getting the best possible repair job when it comes to roof damage. You should always employ a professional roofing contractor like Standard Roofing Company. We have the experience and expertise to get your roof repaired quickly and correctly.
If you’re in Oklahoma City and having problems with your insurance claims, give us a call today!
