If your roof is damaged, it’s important to know how to get your insurance company to pay for repairs. This process can be daunting, but it doesn’t have to be. By following these steps, you can increase your chances of getting your claim approved and getting your roof repaired quickly and efficiently.
1. Document the damage
The first step is to document the damage to your roof. This includes taking photos and videos of the damage, both inside and outside your home. If possible, take photos from different angles so that the insurance adjuster can get a good understanding of the extent of the damage.
You should also document any other relevant information, such as the date and time of the damage, the cause of the damage, and any steps you’ve taken to prevent further damage. For example, if you had to tarp your roof to prevent rain from leaking into your home, be sure to take photos of that as well.
2. Review your insurance policy
Before you file a claim, it’s important to review your insurance policy to make sure that you’re covered for roof repair. Most homeowners insurance policies cover roof damage caused by storms, hail, and other natural disasters. However, some policies may exclude certain types of damage, such as damage caused by wear and tear or poor maintenance.
Once you’ve reviewed your policy, you should have a good understanding of what is and is not covered. This will help you to determine whether or not you have a valid claim.
3. File a claim
To file a claim, you can contact your insurance agent or call your insurance company directly. Your insurance agent will be able to walk you through the process and help you to file the claim correctly.
When you file your claim, you’ll need to provide your insurance agent with the following information:
- Your contact information
- Your policy number
- The date and time of the damage
- The cause of the damage
- A description of the damage
- Photos and videos of the damage
4. Get an estimate from a roofing contractor
Once you’ve filed your claim, your insurance company will assign an adjuster to your case. The adjuster will schedule a time to inspect your roof and assess the damage.
In the meantime, you should get an estimate from a roofing contractor. This will help you to determine the cost of repairs. Be sure to get estimates from multiple contractors so that you can compare prices.
5. Negotiate with your insurance company
Once the adjuster has inspected your roof, they will write up a report and submit it to your insurance company. Your insurance company will then review the report and decide whether or not to approve your claim.
If your claim is approved, your insurance company will send you a check for the cost of repairs. However, it’s important to note that your insurance company may not approve your claim for the full amount of the estimate. This is because insurance companies factor in depreciation when they’re approving claims.
If you’re not happy with the amount that your insurance company has approved, you can negotiate with them. You can also file a complaint with your state’s insurance commissioner if you’re unable to reach an agreement with your insurance company.
6. Get your roof repaired
Once your claim has been approved, you can schedule a time for your roof to be repaired. Be sure to choose a reputable roofing contractor and get everything in writing, including the scope of work and the cost of the repairs.
Once the repairs are complete, you should submit a copy of the final invoice to your insurance company. Your insurance company will then send you a check for the remaining balance of the cost of repairs.
Tips for getting your insurance claim approved
- Be honest and upfront with your insurance company.
- Provide them with all of the requested documentation.
- Be cooperative with the insurance adjuster.
- Be patient. The claims process can take some time.
If you follow these steps, you’ll be well on your way to getting your insurance company to pay for your roof repair.