Everyone knows that it can be hard to get your insurance company to pay for damage to your home. If you have never filed a roofing insurance claim before, the roofing insurance process may appear especially onerous in times of roofing damage. To make the process easier, your local Santa Rosa roof repair contractor can provide you with instructions on how to file a claim with your insurance company.
Here’s a Rundown of the Actions a Homeowner Would Take
Examine the Scale of the Damage
Before you do anything else, you should first be informed of the damage that your roof has sustained. Typically, faults are more difficult to detect and may necessitate an inspection from a ladder rather than the ground. Consider hiring a roofing contractor to perform a thorough examination. The majority of them do it for free.
Record all of the Damage
Once you get your damages assessed, your next action is to acquire all the required “proof.” The recording of losses may make or break your insurance claim! Make a careful list of everything that has been damaged, including any interior concerns. Furthermore, images of your home/roof before the occurrence of the damage would be an excellent reference for your insurance provider to assess the degree of the losses.
Go Over Your Insurance Coverage
After you’ve found the proper issues with your roof, it’s time to verify if your insurance coverage will cover the damage. Ill-informed homeowners and other obstacles frequently prolong the claims procedure. It is preferable to decrease this risk by staying current on your policy. Talk to your agent if you need help figuring out what your insurance covers and what it doesn’t.
Contact Your Insurance Carrier
To prevent wasting time, contact your insurance carrier as soon as possible. Explain your circumstance and learn more about the procedures related to this issue while doing so. As previously said, it is critical that you understand the type of insurance coverage you have.
Request an Inspection and Estimate
Before you give your entire commitment to a roofing business, it is critical that you make a smart choice. Check with your friends and relatives to see if they have any recommendations. Check out company reviews and websites to see how professional they are.
Meet With a Claims Adjuster
When an insurance adjuster comes to look at the property, it’s one of the most annoying things that can happen. With this in mind, homeowners are permitted to keep some backups on hand. You might request that your roofing specialist attend the conference in order to ease any concerns and speak for the homeowner. If you invite your roofer to the meeting, you might save time and get a bigger claim payment.
Schedule Repairs Once the Claim is Approved
Now is the time to celebrate that your claim was accepted and make plans to fix your roof. It is vital to understand that scheduling work is not always as simple as one would hope. Insurance agents sometimes handle many claims at once, which can cause delays.
Santa Rosa has Dependable Roof Repair Services
Your roof serves a crucial purpose: it protects one of your most significant purchases. Its condition influences how much protection it can provide, whether it is over your house or business property. Our team of roof repair experts in Santa Rosa will set up and take care of your roof correctly. Call Northbay Roofing & Gutters today at (707) 591-9288 to schedule a free inspection for your home or business.