Filing An Insurance Claim For Roof Damage – Your homeowner’s insurance protects your home from extreme weather and other emergencies, but it can be difficult to know how or when to start a roof insurance claim. The insurance process is confusing, and it’s often difficult to know where to start. We are here to guide you through the roof insurance claim process and answer any questions you may have. Since 1979, Holladay Grace has helped homeowners understand roof insurance claims in Colorado Springs and the greater Pike Peak area. This article will answer various questions regarding the roof insurance claim process and what to expect if a storm has damaged your roof. Click Image to Download Your Roofing Insurance Claim Checklist 9 Simple Steps to File a Roofing Insurance Claim 1: Assess the Damage 2: Know Your Coverage 3: File Your Roofing Insurance Claim Open 4: Choose a Roofing Contractor 5: Meet Your Adjuster 6: Inspection with an Adjuster 7: Approval of a Roofing Insurance Claim 8: The Work Begins 9: Insurance Payment 1: Assess the Damage with Your Insurance Provider Before contacting us, you need to assess the type and severity of damage to your roof. To solve this, you have two options: self-inspection or professional inspection. Survey your roof for signs of damage from weather events Self-Inspection You can climb on your roof to inspect it yourself, although we do not recommend this for safety concerns. Knowing what kind of damage and what to look for can be difficult, so read on to learn about the different types of roof damage, and remember to take plenty of photos during your inspection. Professional Inspections On the other hand, most roofing companies offer free inspections and usually provide you with a detailed inspection report. You can search online for a reputable roofing contractor local to your area to complete the inspection. Be sure to ask what information and photos they will provide after the inspection. A professional inspection by a roofing contractor Regardless of the route you choose, it’s important to get detailed photos of any damage locations and the extent of the damage. This information will help when you call your insurance company to initiate your roof insurance claim. Types of Damage Asphalt shingle roof damage from hail storms affects the integrity of the roofing system and significantly shortens the lifespan of the roof. More often than not, heel damage can lead to a complete roof replacement. Heel damage is sometimes easily seen (as shown in the image above); Other times, it’s more difficult to spot. In general, if the heel is large enough (quarter size or larger), there is a good chance you will see marks on your shingles. Asphalt Shingle Roof Damaged by Wind Storms You can find wind damage to your roof in a few different ways. If your roof is visible from your yard or driveway, look for spots with missing or torn shingles (as shown in the photo above). Additionally, if you find shingles or pieces of shingles in your yard that match the color of your roof, chances are they have come off your roof, and the exposed part is likely leaking. . Roof damage caused by a falling tree during a severe weather event can cause significant damage to your roof due to falling debris or trees. In general, this is one of the easiest types of vision or hearing loss. If you are home during a storm and something of significant size lands on your roof, you will definitely hear it. After it is safe to go outside, we recommend that you walk around your home and look for fallen debris that may have hit your roof. 2: Know Your Insurance Coverage Next, you need to contact your insurance agent or look up the details of your plan online to cover your home owner’s insurance. You will want to confirm the following: What damage is covered Your deductible What information and forms are required to open a claim How to open your insurance claim 3: Open your roof insurance claim Next you will open your claim All Submit the required information to your insurance company. Most of the time, you can email the information to your insurance company. After completing this, an insurance adjuster is assigned to your claim. 4: Choose a Roofing Contractor It is a good idea to choose a roofer before your adjuster’s inspection so that the roofer can attend the adjuster’s inspection. Sometimes insurance adjusters are not aware of all the components that go into an umbrella. Sometimes they leave out-of-the-line items, which need to be added later. Having the roofer on site during the adjuster’s inspection helps ensure that the roofer and insurance adjuster agree on the damage and what needs to be repaired or replaced. To learn more about choosing the right roofer, read our guide on how to compare roofing contractors. 5: Meet Your Insurance Claims Adjuster Once an adjuster is assigned to your claim, they will reach out to confirm that they are your point of contact. Get your administrator’s name, phone number, and email address. Keep in mind that your adjuster is there to help you every step of the way. 6: Insurance Claims Adjuster Inspection Your adjuster will inspect the roof to verify the information stated in the claim is correct. The adjuster will mark your roof with a check and take photos of the marks (as shown below) to file the claim. Remember, it is wise to have your roofing contractor on-site during this process to discuss any necessary repairs or replacements with your insurance adjuster. Having an expert present will help answer any questions the arbitrator may have and ensure that all parties understand what work will be completed. Roof Insurance Claim Adjuster Inspection Signs on a Damaged Roof 7: After Your Roof Insurance Claim Is Approved After your roof insurance claim has been approved, follow these steps to get started: Estimate from an adjuster Get an insurance quote with the roofing contractor of your choice. The roofing contractor contacts the insurance adjuster to discuss the scope of the roofing project. If the adjuster has lost items on the insurance estimate, the contractor will need to provide documentation that those items are included in the claim (he may pre- (called job supplement) 8: Work begins With your choice of roofing contractor and valid on the contract, work can begin now. Your roofing contractor should work closely with you on project coordination. Here are some questions you may want to get answered: How long will the job take? How do I prepare my home for the project? Do I need to leave while the contractors are working? What if I get a flat tire from a nail or screw? How can I expect to be cleared? What steps should I take if I notice any problem after the work is completed? Getting Started After Insurance Claim Approval 9: Insurance Payment: How Roof Insurance Payment Works It’s important to know how your insurance provider will release the funds to you before paying the contractor. Generally, umbrella companies do not seek payment directly from the insurance company. Remember that you are a joint customer of your insurance company and the roofing contractor. Since the roofing contractor does not work for the insurance company, it is your responsibility to pay them. Your insurance company will issue a payment to you. Typically, it works like this: You’ll get a check for the actual cash value (ACV) of your coverage from your insurance provider minus your deductible. Use the ACV check and your deductible. Note the amount for paying your contractor the following: It is illegal for your roofing contractor to waive the deduction. You must pay this fee to the contractor. Once the project is complete, you will invoice your insurance company from your roofing contractor and the insurance company will provide you with a check for the amount recoverable. Your deductible plus actual cash value plus recoverable depreciation equals the total claim amount, known as the project’s recoverable cash value (RCV). Things to consider when filing an insurance claim The process may seem straightforward, but it can take a long time and be slowed down by any number of problems. Here is a quick list of some of the common problems you may encounter in the insurance claims process: Some insurance and umbrella companies are not completely in your corner: Insurance companies As you know, when insurance companies Are involved, things always need to be clarified and sometimes take more time than that. Keep in mind that all insurance companies are always looking for your best interests. Obviously, not all companies are like this, but some may put the bottom line before your needs as a customer. Roofing Companies Roofing contractors have a bad reputation, and we’re here to bring professionalism to the industry. You may have heard stories of roofing contractors who contract clients to complete work before their claim is approved and require payment, leaving town with your money and the work not being completed. That is why it is important
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