If your roof has recently encountered storm damage, whether it be from hail or high winds, the good news is that it should be covered by insurance. Often times, widespread damage caused by hail will result in the need for total roof replacement. Not sure where to begin when it comes to getting your roof replaced using your homeowner's insurance? There are a few practical tips to keep in mind that can make the process easier and less stressful.
Start With the Right Roofing Company
The right roof replacement service can make all the difference here. Ideally, you'll want to work with a roofing company that has specific experience working with your home insurance carrier and can even contact your agent and begin the claims process on your behalf. This will save you the time and hassle of reaching out to your agent. When choosing a roof replacement service, you may also want to ask them what their success rate is when it comes to getting roof repairs and replacement covered by insurance.
Get as Much Documentation as Possible
Your insurance agent and adjuster will need to see physical proof that your roof needs to be replaced and that the damage was caused by something covered by your insurance policy. This is, again, where choosing the right roofing company can make all the difference. A roofing contractor who is experienced in handling insurance claims will be able to take photos and possibly even use drone footage to carefully document the damage on your roof. They can then turn this information over to your insurance agent to get the ball rolling on your claim.
Don't Rely on Your Adjuster's Inspection Alone
Your insurance company will also want to send out an adjuster to perform an inspection on your roof and make sure it "matches" what your roofing company found. Keep in mind that sometimes, an adjuster's findings may be different than your roofer's. If there are any discrepancies, take advantage of your right to request an additional inspection with your roofing contractor present.
Consider Add-Ons for Your New Roof
Prolong the life of your new roof and reduce the likelihood of future storm damage by opting for add-ons like eave flashing, dimensional shingles, and upgraded underlayment. These add-ons may not always be covered by your insurance, but they can be worth the investment by improving the durability of your new roof.
For more information, reach out to a roof replacement service in your area.