Your GUIDE To Understanding the Roof Insurance Claim Process

A homeowner's worst nightmare may be a damaged roof. A damaged roof can be costly to replace or repair, whether it was caused by a powerful storm, falling objects, or just normal wear and tear. Fortunately, roof damage is often covered by homeowner's insurance.

But for many, it can be intimidating to comprehend the roof insurance claim procedure. The roof insurance claim procedure will be dissected step-by-step in this article. After reading this blog, you'll have a better understanding of the procedure and what occurs if your claim is rejected.

The Roof Insurance Claim Process: Step-By-Step

Step 1. Before Filing a Claim

Prior to filing a claim to your roof insurance provider, you need to evaluate the damage and take pictures and videos of it. This will help you in providing your insurance company evidence of storm damage during the claims process.

Carefully read over your insurance policy, making note of what is and is not covered. There may be specific deductibles or limitations based on your coverage level.

This step can help you budget for the potential cost of repairs, so think about getting a quote from a reliable roofing specialist.

Next, give the insurance company a call or submit a claim online; it is recommended to do this as soon as possible. Be ready to give specifics regarding the damage that has been done to your roof.

Your insurance provider will arrange an inspection with an adjuster to come out and evaluate the damage and estimate the cost of repairs or replacement when you contact them. Make sure the adjuster has access to the pictures and videos you or your roofing contractor took.

TIP: It's a good idea to have your reliable roofer present for the adjuster's inspection if you've previously worked with them. In the event that your claim is rejected, having the contractor present will ultimately strengthen your case as they can provide guidance to the adjuster.

You will receive an estimate of the cost of the replacement or repairs from the adjuster. The evaluation will address the policy's coverage limitations, deductible, and contents.

It's time to have your roof repaired now. You can choose a roofing contractor that your insurer suggests or work with a contractor of your own choosing. Communicate with your insurance provider as the roof is being completed and send them updates on a regular basis.

Typically, the roofing contractor gets paid after the job is complete. If you have a mortgage, your insurance check will be made out to you and your mortgage lender. This is because the lender has an interest in your home and wants to ensure repairs are made. The lender will endorse the check, put the money in an account, and pay for the repairs as they are completed. The contractor will then invoice your insurer for any extra money owed, which you will receive and pay to the contractor.

Note: This process can be dependent on your insurance policy. Be sure to check with your provider to confirm details so you can know what to expect.

After the repairs or roof replacement, you will provide photos of completion to your insurance company. They will issue a payment to cover the cost of the services minus the deductible. Review this payment, and follow up with your insurance company if you have any questions or concerns. 

What Happens if Your Roof Insurance Claim Is Denied?

In the situation that your roof insurance claim is denied, here are some steps you can take to address the situation: 

# 1: Carefully review the denial letter your insurance company sends you. It should be thorough and outline their reasons for the denial. If you find any discrepancies or errors, note them down. 

# 2: If a roofer alerted you to the damage, get their opinion. You can also get a second opinion from a trusted roofing contractor to determine if there’s any additional damage the insurance company missed or if the initial assessment was inaccurate. 

# 3: If you believe your claim was wrongly denied, you can file a claim dispute with the insurance company. A claim dispute with an insurer occurs when the policyholder and the insurance company disagree about the amount of money that should be paid out for a claim related to your roof. This process involves submitting additional documentation and evidence to support your claim. 

# 4: If your claim dispute is denied, or you believe your insurance company is acting in bad faith, consider talking with an attorney. An experienced insurance claim dispute attorney will be able to help identify the validity of your claim dispute, help you navigate the legal system, and fight for the compensation you could deserve.