There will probably come a time in the life of your home that the roof or siding become damaged. When that happens, will you be ready to file a claim with your insurance company for it — or will all the paperwork in a time of urgency, utterly stump you? There are a few things you can do to make claims faster and easier.
Here are five tips for navigating a roof insurance claim.
This sounds daunting, but fully understanding your policy coverages is key.
Don’t make the mistake of shoving important paperwork into a drawer and only looking at it when there’s an emergency. It’s a good idea for homeowners to examine homeowner's insurance policy at the time of purchase. The experts at Patriot Pros Roofing know how to read your declarations page and can help you understand exactly how your policy will be used.
Read the paperwork thoroughly and make a note of questions, such as:
"What is our deductible?"
"Do we have Code Upgrade coverage?"
"Do we have a Replacement Cost Value (RCV) or Actual Cash Value (ACV) policy?"
"How long do I have to file a claim once a weather event or other mishap has taken place?"
"Do we need to have emergency repairs done before filing a claim?"
This is a very important step, that probably half of the customers we meet with, fail to do. Having a professional set of eyes look at the roof, siding, windows, gutters and whatever else my have been damaged first, can save you the heartache of getting denied for a frivolous claim. Even if you your claim is denied, the fact that you filed a claim is well documented by insurance companies for almost a decade. They consider those that file frequent claims to be a much higher risk to insure, so you better believe that they keep track of it all. This is why, requesting an honest contractor to inspect your home can save you on premiums. At Patriot Pros Roofing, we have an in-house licensed claims adjuster that can visual inspect your roof and help you make an informed decision. We cannot guarantee that the insurance carrier will approve your claim, but our valuable experience has help hundreds of customer make the right decision.
If weather strikes your home or a tree falls onto it, having your trusted contractor take detailed photographs of all damages incurred, can mean the difference in receiving a properly paid out claim or you having to come out of pocket more than your deductible.
We inspect everything! Not just your roof, but everything that could help support the damage, such as dinged gutter components, stained decking found in your attic, torn window screens, performing a brittle test on shingles that cannot simply be repaired, etc...
It’s common for homeowners to feel intimidated by a visit from an adjuster, but it does not have to be that way. Remember that the adjuster is likely dealing with several claims at once while you are only dealing with your own and you know all the important details. Carefully review any paperwork before signing and ask for clarification if a payout for roof damage seems too low.
And have your Patriot Pros Roofing representative meet with the adjuster too. Let us show the adjuster the damages that we previously documented. Let us provide the adjuster an estimate for the repair or replacement of the damages, using the same software that they use. Let us point out all of the local building codes and manufacturer guidelines that must be met. All of this ensures that the adjuster does not miss anything and you receive the best claim amount possible
For peace of mind, knowing you can trust your contractor is paramount in your claim process. A great contractor will work to get the claim processed and the repairs done in a timely fashion. In fact, the experts at Patriot Pros Roofing only want the best for you and your family. Your home's exterior is the first line of defense against you and mother nature, so let us help you maintain that level of protection.
Need help with placing an insurance claim for your roof? Contact us at 912-665-3338 or Sales@PatriotProsRoofing.com.