Storm Damage Roof Insurance

Storm Damage Roof Insurance

After a bad storm, you might notice that your roof’s looking a little bent of shape. Rather than ignoring it or waiting a few weeks, take advantage of storm damage roof insurance straightaway. Identify the damage done, make your claim, and start the repair process. Your roof protects your home and your family. You want it to last as long as possible, while still not costing you too much. That’s why it’s so important that you receive compensation for storm damage.

When the storm has passed, check your roof for damage. The wounds might be obvious (missing shingles, cracks, indoor leaks) or more subtle (bruises, dents to shingles or gutters, or granules collecting in gutters). All of these signs of damage are a cause for concern. Bruises to your roof (areas where the shingles’ granules have been knocked away) can expose the shingles’ bases to more UV rays, causing deterioration that can limit your roof’s life. Holes, cracks, and missing shingles can lead to water damage in your home (if severe, this could cause mold formation or rotting wood). Don’t shrug off damage; it could cause more problems later on down the road.

Once you’ve taken note of the damage, write down the date of the storm, a description of the damage, and take some photos. You could also print off local news stories about the storm, in case your insurance agency asks for proof of its occurrence.

After that, you’ll need to find a contractor. Look for a talented and experienced contractor, not necessarily the cheapest, and be wary of any contractors that are approved by insurance agencies (these contractors may try to lower your claim). Have the contractor do a full inspection, looking at the roof, siding, windows, air conditioner, screens, concrete, and more.

When your claim is prepared, contact your insurance agency’s claims department. If you need to have an insurance adjuster inspection, it might be a good idea to insist that your contractor be present for the inspection as well, to make sure that the adjuster plays fair. Once the process is complete, you simply have to wait. Your insurance agency will hopefully respond to the request soon.

If they approve your claim, call back your contractor. Use the first check from the insurance agency to pay for materials and the second to pay the contractor. Make sure that all materials are bought in your name (and with the check provided) and don’t pay your contractor until the job is complete and has passed city inspection.

If your claim for storm damage roof insurance is not approved, try again. Don’t give up hope. You can meet with two more insurance adjusters and chances are, you’ll be approved. Although only 5% of homeowners apply for a claim after being rejected once, those that do receive approval 50% of the time.

Good luck!

 



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