Assess and Document Roof Damage Before Submitting an Insurance Claim

Nov 28, 2017

Roof Insurance Frisco TX

A proud homeowner will always pay adequate attention to the roof of a home and maintain it as far as possible to avoid damage to it during inclement weather. It is not practical to expect that your roof will survive every onslaught of nature and there are times when it can get damaged when it has to weather storms of unprecedented ferocity.

Severe winds can rip the shingles off roofs and induce leakage in a home, which then calls for roof repairs. This is an exercise that can turn out to be quite costly, and if you are a prudent homeowner, you will have insured your home and the roof against just such eventualities. How then do you go about filing a claim for the roof repair costs? The first thing you need to do is to get a reliable roofing contractor to assess the damage and give you an estimate of the cost of repairs. Most insurance policies have deductibles which you will be bound to pay, in the case of any claim. If the cost of repair is less than the deductible, it makes no sense to go through the involved procedure of submitting claims, only to find that you are not entitled to any money, and will have to bear the expenses yourself. If however, the cost is substantially higher, you must go forward to filing a claim for roof repairs.

To start with, you will have to document the damages, and you can take the help of the roofing contractor who has assessed the damage. The inspection report comes from professionals and will, therefore, have better credibility. You also need to check your policy to make sure that the damages you are claiming are allowable. You can then contact your insurance provider with the inspection report and your application for the claim.

Once this paperwork has been submitted, the insurance company will appoint its own claims adjusters to carry out the necessary inspection of your home, the roof and the damage that has occurred. Fix up an appointment that allows your roofing contractor, who has made the inspection report to also be present. You can then be assured that the assessment is honest and all questions truthfully answered. If the initial adjuster refuses your claim, you can always ask for a second opinion.

Once the claim is accepted and approved, the insurance company will make a payment that can cover the cost of the materials required to repair the roof damage. Your roofing contractor should order materials in your name, and your checks should cover the payments for them. Now that the materials are on site, the roof repair work can commence. Make sure that you have the roofing contractor’s prices in writing.

home protection Frisco TXAfter the work is completed, you may need to have it inspected by the relevant authorities. Make your assessment of the repair work to ensure that all points have been covered as per any price bid you have approved. You can then ask the insurance company for the second tranche of payment to cover the cost of repairs. Your roof repair has now been paid for, less, of course, the deductibles in your policy.

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Frisco TX Storm Damage

High Performance Restoration LLC
6500 Preston Rd #201
Frisco, TX 75034
(214) 396-7772