How Roofing Insurance Claims Work
While it may soothe the scorching summer temperatures, fall in Northern Virginia also ushers in storms. Blazing lightning, howling winds, and torrential rain are common, and they can devastate a roof. Yet anyone with homeowner’s insurance will have protection from the worst financial damages. If your home suffered damage from a severe storm, use the steps below to file a roof insurance claim and get back on your feet.
Linden, VA, homeowners can contact Roofsimple for insurance claims guidance and roofing repair services. Our team’s comprehensive options and high-quality services ensure your home receives the coverage it needs to protect your family. Call (540) 692-3808 or visit our website to speak with a product specialist and receive a roofing inspection ASAP.
Below, we outline how to file a roofing insurance claim:
Process for Filing Roof Insurance Claims
1. Take a quick look around your property
After a storm, walk around your property and check your home’s roof for damage. The most common storm damages include:
- Missing and damaged shingles
- Branches that may have fallen on the roof, poking holes in the structure
- Partial collapse of the roof
Take pictures of the damage as you walk around. Don’t delay inspecting your roof or filing your claim—your insurance company will want proof that the storm (and not a lack of maintenance) caused the roof damage.
2. Touch base with your homeowner’s insurance
Before filing a claim, touch base with your homeowner’s insurance provider and find out if they have special instructions for the process. Some policies have exemptions for certain damages or require specific documentation with the filing. Even if you aren’t ready to file your claim, knowing the process in advance can help you avoid mistakes and ensure you receive all the benefits of roof insurance.
3. Hire a roofing contractor for an inspection
Some roof damages are unmistakable and glaring; others are insidious and invisible to the naked eye. Either way, you must determine how much damage has occurred and how to correct it. Put plainly, you need a professional roofing inspection.
Look for a contracting company with a strong reputation and experience working alongside insurance companies. Roofsimple, for instance, understands the claims process and can help clients through it to ensure a smooth home repair.
4. Make temporary repairs if necessary
In some cases, homes need temporary storm repairs. Vicious winds and rain may leave a hole in your roof through which animals or rain can enter your home. Nevertheless, a contractor can help you make temporary repairs to protect your home’s structure and prevent further damage. The repairs are only a stopgap, undone when substantial repairs begin.
5. File a claim
At last, complete your insurance company’s official claim-filing process. You’ll work with a claims adjuster after submitting your paperwork. This professional may need to inspect your property before reaching an estimate, as the insurance company will issue your payment based on that. Don’t sign a contract with any roofing contractor until the insurance adjuster has confirmed the insurance company’s payment—you will want an ironclad amount before hiring repair services.
6. Complete the work and payment
Once you’ve signed a contract, the contractor will schedule your repair, order the necessary materials, and handle the job. Roofsimple professionals work with clients to find a convenient time, then deliver high-quality services to ensure satisfaction.
The payment structure will be ironed out in the contract and depends on the insurer’s process. They may make out the check to you and your mortgage lender, and then the lender will put the money into an escrow account and pay the contractor as work is completed.
Roof Insurance Claims Support in Linden, VA!
The Roofsimple team can answer any questions about roof insurance claims and repairs. Did a storm damage your Linden, VA, home? Do you need help navigating the claims filing process, call (540) 692-3808 today for an inspection and learnhow Roofsimple can help you with a roof insurance claim.