- June 11, 2017
- Posted by: David
- Category: Uncategorized
Finding out significant damages to your roof covering could be a stressful time for many homeowners. Having to navigate the insurance case procedure can require great deals of follow-ups with insurance adjusters, roofer, and in some cases your mortgage company. To make sure you can handle the insurance claim procedure all the way through, Roofing Chattanooga advises you follow these 5 steps.
# 1 After the storm, look for damage immediately
If you think your roof is damaged, call a credible and certified roofer to inspect your roof. Bear in mind that if your roofing system looks undamaged from the outdoors, there might be substantial inner damage that just an experienced roof expert can determine. Some insurance policies have specifications that clarify how much time you can wait after the damage has actually struck your roof and still have the damage covered under your insurance policy. As soon as the storm is over and it is safe to do so, have your roof examined.
# 2– Take pictures and file information connected with the damage
A knowledgeable roofing contractor will certainly know where to seek damages and will be thorough in documenting the damages and how serious it is. Roofing Chattanooga will take pictures of damaged areas and send you a written description of what exactly needs to be repaired together with repair cost estimation. Sometimes, you could have roofing system damage that is not great enough to warrant an insurance claim. In this case, Chattanooga professional roofer can work with you to plan how you can fix your roofing system. In other situations, you will certainly should contact your house owner’s insurance company and provide proof of damage, including measurements, the events that triggered the damages with dates and times the damages took place.
To be safe, it is a good idea to take regular images of your roof, especially after repair has been finished. Make certain the photos are clear and contain the date and time. Preferably take numerous images from different angles to accurately reveal the whole of your roof covering and the state of your shingles. By doing this you can make a much more compelling argument and will have the visual proof to warrant that the damaged areas were absent prior to the weather event and were a straight result of the weather modification.
# 3– Contact your insurance company and learn what your plan covers
When taking care of extensive roof damages, make sure to contact your insurance company quickly. If you wait too long, you might not have the ability to submit the claim. Constantly have a current policy of your homeowner’s insurance on hand to examine to see what statute of limitations could remain in place for reporting damage and what types of roofing damages are not covered. Keep in mind that some homeowner’s plans have extra support specifying the quantity of damage that will be covered. For example, if your roofing system is more than ten years old, your insurer might just cover a portion of the roof substitute expense, based upon the dropped value of your roof. If something in your insurance plan is unclear, call your insurance policy service provider. When you submit your roof insurance policy claim, an insurance adjuster will be sent out to inspect the damaged areas and establish the price that the insurance company will pay to fix or change your roof.
# 4– Choose a professional roofer with insurance expertise
Knowing that your roof covering insurance policy claim is covered under your existing homeowner’s plan, you will be offered funds to repair the damage. You could choose the roofing contractor to complete repair works or replace your whole roof covering. When selecting a respectable service provider, be sure to request for referrals and only hire qualified and insured roofing specialists. Not every roofing contractor will certainly give insurance coverage claim help while Roofing Chattanooga will help you with every detail of your roofing system damages case. We are roof covering replacement specialists that will work with you to ensure your insurance claim is submitted without delay, and you can get the maximum compensation for your roof substitute.
# 5– Keep an eye out for contingency contracts
Roofing Chattanooga contractors will offer a free roof evaluation and roof substitute quote. Look out for contingency contracts that could be disguised as inspection reports. By mistakenly authorizing among these contracts you are accepting that roof firm, if your insurance case is accepted. Keep in mind, when you are collecting estimates, you should not have to sign anything. If you are forced right into signing something, it is a telltale sign that it is time to pursue a much more credible roof replacement contractor.
Getting roof damage covered by your insurance provider can be a tiresome and prolonged process. By partnering with a certified roofing contractor, they could work with you to make sure your roofing damage is submitted correctly to your insurer and the roofing replacement is done rapidly and accurately. The roof covering replacement specialists at Roofing Chattanooga are well versed in dealing with roof insurance policy cases and restoring your home back to its initial glory. If your roof was just recently damaged, call our evaluation team at 423 443-4083. We will be happy to schedule a free roof inspection, document the damage, and give you an estimate to start your roof insurance claim.