When unexpected damage occurs to your roof, navigating the complex process of figuring out how to submit an insurance claim only adds to the stress you might feel. We’ll explore the essential steps to successfully navigate residential roofing insurance claims so that you can have confidence the next time a natural disaster or accident catches you unaware. Keep in mind that working with the right roofing company can make all the difference in ensuring a seamless and stress-free process.
Understand the Importance of Insurance Claims
Your home’s roof serves as a shield against the elements, but it’s vulnerable to various types of damage, including hail and snow storms, wind, and even normal wear and tear over time. But that’s why you pay for insurance! While it can be a headache, filing a claim will help ensure that your repairs or roof replacement is covered by your insurance company so that you don’t have to pay for the work out of pocket.
Contact Your Insurance Provider
You should contact your insurance provider right away! If you suspect damage to your roof following a severe storm or other accident, you should let your insurance company know and be sure to document as much as you can to help the claim process go smoothly (i.e. the date the damage occurred, the extent of the damage to your knowledge, when you notified your insurance company, etc.) You should be prepared to answer their questions, and in return, you can ask for some clarity about your policy if there’s anything you’re unsure about.
Assess the Roof Damage
Once you’ve contacted your insurance provider, they will likely send an insurance adjuster to your home to accurately assess the damage for the purposes of the claim. They may document the damage with photos and notes, but feel free to record notes and take photos for your own records. Be sure you understand the damage assessment and ask the adjustor for clarification if there’s anything that’s unclear.
Choose the Right Roofing Company
You have two options when it comes to getting the work done. The insurance provider may recommend a roofing company and will pay out the claim amount directly to them. Alternatively, you can choose to receive a payout for the claim amount and select a company to do the work. If you choose to find a contractor on your own, look for a reputable residential roofing company that advertises they work with insurance claims. You’ll want to hire a company with a strong track record, positive reviews, and good availability based on the needs of your project.
Review the Estimate and Insurance Settlement
Your chosen roofing company will work closely with you to create a detailed estimate for the necessary repairs or replacements. This estimate will include labour costs, materials, and any other associated expenses. The estimate from your roofing contractor may be higher or lower than the estimate from your insurance provider. Be sure to communicate any differences in the estimates to your claims specialist and be diligent in following up with them so you know when your claim is processed and when you should be expecting the payout.
Get the Work Done on Your Roof
Once you’ve received approval from your insurance company, your local roofing company can proceed with the necessary repairs or replacement of your residential roofing. You can use the funds from your settlement to pay for the work upfront and ensure it gets done efficiently and professionally.
Navigating insurance claims for residential roofing can be a complex and daunting process, but with the assistance of a reputable roofing company, it becomes much more manageable. By understanding the steps involved and having a trusted partner by your side, you can ensure that your roof is repaired or replaced to its full potential, providing you with peace of mind and protection for your home.
If you’re in need of expert residential roofing services and assistance with insurance claims, contact City Roofing & Exteriors today. We take pride in serving Calgarians and helping with insurance claims for your roof. We put safety, quality work and on-time delivery as our top priority. We work hard to assist our customers in providing proper roofing systems to meet their budgets and needs. We guarantee that you will be satisfied with our work and recommend City Roofing as your roofing consultant and contractor. Give us a call at 403-608-9933 or send an email to [email protected].