Everything you did was right. Investing in a high-quality roof and keeping it in good condition was right. Now, your roof has been damaged.
If you don't fix the most important part of your home now, you'll have to spend between $200 and $3,000!
You don't have insurance unless you do.
An investment in roof insurance pays dividends. It is always best for you to get the most out of your insurance coverage if you know what to do when it's time to make a claim.
Keep these five tips in mind as you file an insurance claim for your roof.
1. Look into Your Policy
Let's start with the basics: don't call a roofing expert until your roof is in good shape. We will be here when you're ready!
Your first instinct might be to call us, but you need to pay attention to your insurance policy.
Check out your exact coverage details. A copy of your proof of insurance can be obtained from the provider's website if you do not have a hard copy.
If you investigate your coverage, you can find out what isn't covered. Generally, weather damage, vandalism, and fire are all covered.
Depreciation is, however, considered by some insurance companies. You may not be covered for the entire repair if your roof is more than a few years old.
2. Document the Damage
It is always best to take pictures as they can tell a lot, so take some pictures of the damage.
Also, don't limit yourself to photos. Note the time and cause of the damage and which areas of the roof were damaged.
3. File Your Claim
The clock is ticking. Your claim can be filed once you have all your documentation ready.
If you file as soon as possible, a repair can be scheduled sooner.
4. Take Notes
When speaking with your agency, keep a pad and a pen nearby. Keep a note of your caller's name, the time you spoke, and the details of your discussion.
Keeping your notes may not be necessary, but it's always wise to preserve them in case of conflict.
5. Don’t Be Afraid to Fight Back
Claims are intentionally made difficult by insurance companies.
However, you don't have to pay out of your pocket because of their greed. Don't back down.
You're more likely to get the best deal when you speak directly with a supervisor since they are less likely to undersell you and can authorize certain actions that customer service representatives cannot.
Refer to your notes whenever you're in doubt - especially if they're trying to avoid payment. Maintain your firmness while remaining considerate.
Tips for Filing a Roof Insurance Claim
It can be time-consuming and frustrating to file a roof insurance claim, but these tips should help you make it as painless as possible. Use these tips when filing your claim.
If you need your roofing contractor Memphis TN, be sure to contact James Russell Roofing in Brighton, Germantown, and Memphis, TN at 901-808-8612!