How to File a Roofing Insurance Claim

Filing a roofing insurance claim can seem daunting, especially after experiencing damage to your roof and home. However, with the right steps and precautions, you can navigate the process smoothly and ensure you get the coverage you deserve. Here’s a comprehensive guide to help you through each stage of filing a roofing insurance claim.

Step-by-Step Process to File a Roofing Insurance Claim

1. Assess the Damage

Before filing a claim, assess the extent of the damage to your roof. Call a local reputable roofing company to determine the damage before filing a claim and ensure the extent of the damage is beyond what your potential deductible would be. This will also help ensure your insurance claim isn’t denied. Take clear, detailed photos and notes of all the visible damage. Be sure to note the time and date of the damages, detail any associated weather events, and tie your notes to your photos. This documentation will be crucial when filing your claim and ensuring you get the services you need.

2. Review Your Insurance Policy

Carefully review your homeowner’s insurance policy to understand what is covered. Pay attention to specifics about the roof damage and any deductibles that may apply. This step will help you set realistic expectations about your claim.

3. Contact Your Insurance Company

Notify your insurance company about the damage as soon as possible. Most insurers have a specific time frame within which you must file a claim after the damage occurs. Provide them with the details of the damage and any supporting documentation you’ve gathered before you run out of time to do so.

4. Schedule an Inspection

Your insurance company will likely send an adjuster to inspect the damage and gather more details about your claim. Be present during the inspection to ensure all damage is noted and to provide any additional information the adjuster may need. You may also want to have a reputable roofing contractor present to advocate on your behalf and ensure nothing is overlooked.

5. Get Repair Estimates

Obtain estimates from several reputable roofing contractors for the cost of repairs. This will help you understand the scope of work needed and provide a basis for negotiation with your insurance company if needed. Avoid choosing a company whose cost is too good to be true, and double-check the licensing of the roofing contractors you find to ensure you are working with someone trustworthy.

6. Submit Your Claim

Submit all required documentation, including photos, repair estimates, and any other requested information, to your insurance company. Make sure to keep copies of everything you submit for your records in case you need them later.

7. Follow Up

Stay in touch with your insurance company throughout the process. Follow up on the status of your claim regularly and provide any additional information they request promptly. Don’t be afraid to check in often - this can help ensure your repairs are completed in a timely manner, especially if your roof is in urgent need of fixing.

What to Avoid

1. Delaying the Claim

Don’t wait too long to file your claim. Most insurance policies have strict deadlines, and delays could result in a denial, leaving you without any help to get your roof fixed. The faster you move, the faster your insurance company can move, too.

2. Incomplete Documentation

Ensure you provide complete and accurate documentation. Incomplete or inaccurate information can lead to delays or denials of your claim.

There is no such thing as too much information. Take multiple pictures of different damaged areas and be as detailed as possible in your notes. Missing information can result in issues with your claim.

3. Accepting the First Offer

The initial offer from your insurance company may not cover all the necessary repairs. Don’t be afraid to negotiate or request a re-evaluation if the offer seems insufficient. You may have to press to get the offer you need for all of the repairs.

4. Hiring Unlicensed Contractors

Avoid hiring unlicensed or uninsured contractors for repairs. They may offer lower prices, but the risks and potential complications are not worth it. Always opt for reputable, licensed professionals. Reading online reviews, verifying licensing, and checking their portfolio of previous work can help you choose the right company for the job.

What to Do When Your Claim Is Approved

1. Review the Settlement

Carefully review the settlement offer from your insurance company. Ensure it covers all the necessary repairs and that you understand any conditions or limitations. If you see anything you do not understand or that looks different from what you were originally expecting, bring it up as soon as possible.

2. Choose a Reliable Contractor

Select a licensed, insured, and reputable roofing contractor to perform the repairs. Verify their credentials and check reviews or references to ensure quality work. Ask plenty of questions to verify their work and certifications, and don’t be afraid to ask for more details about the project.

3. Schedule the Repairs

Coordinate with your contractor to schedule the repairs. Make sure to keep records of all communications, contracts, and invoices related to the repair work. Your insurance company may require this information later on, and holding on to it protects you from any issues associated with your claim.

4. Keep Track of Payments

Monitor the disbursement of funds from your insurance company. Ensure payments are made according to the agreed-upon schedule and that all funds are used appropriately for the repairs. Bring up any issues as soon as you spot them to keep the process moving smoothly.

5. Final Inspection

After the repairs are completed, conduct a final inspection with your contractor to ensure all work has been done to your satisfaction. Notify your insurance company once the work is completed.

Conclusion

Filing a roofing insurance claim doesn’t have to be a stressful experience. By following these steps, avoiding common pitfalls, and knowing what to do when your claim is approved, you can ensure your roof is repaired promptly and effectively. If you have any questions or need assistance with your claim, don’t hesitate to contact our team at Statewide Roofing for expert advice and support.

Statewide Roofing specializes in most commercial and residential roofing services across the entire state of Oklahoma. Take a look at our services for residential and commercial roofing, and view our portfolio for examples of our work. Questions? Contact us today or call to speak with our team.