What Does the Insurance Claims Process Look Like?
Did you know that according to Home Advisor, the average cost of a roof replacement is around $11,500? On the high end, it can go all the way up to $80,000 depending on the size of your home. That is a lot of money to invest in the upkeep of your roof! It is important to have regular check-ups to ensure that your roof is protected against not only storm damage, but also normal wear and tear. The age of your roof could also affect the insurance claims process and the amount your insurance company is willing to pay for your roof to get repaired or replaced.
Steps to Take
- Visually Inspect the damage
- Do a thorough inspection as to where you see damage all throughout your home. Note if there are loose shingles or dents made by wind or hail damage. You might not be able to look closely at the top of your roof, and this is where you will want an experienced contractor to inspect.
- Look At Your Insurance Policy and Understand What Is Covered
- A policy usually covers problems that are sudden or accidental, and that are caused by certain events such as wind, fire, hail, or the weight of snow. Depending on your policy, there are things that might not be covered such as damage due to normal wear and tear if your roof is more than a certain amount old (usually 15+ years).
- Contact Your Insurance Company
- Explain the nature of the damage and have them send an adjuster to do a thorough inspection of your roof.
- Contact a Professional Roofing Contractor
- If you have not already done so, this is when you will want to call a reputable roofing company to come out and take a look at the condition of your roof. They will provide you with an estimate that you will give to your insurance company. Once your insurance company sends their approval, you can begin the claims process.
Avoiding Roofing Scams
- Roofing scams usually increase after large storms. They offer quick repairs and tell you that they detect roof damage that you cannot see. This is how they target vulnerable homeowners.
Things to Look Out For:
- Ask For References
- Do they have an online presence? If so, use a search engine to look up their name and see what other clients are saying about them. The most reputable companies will usually have an online presence and be accredited by the Better Business Bureau (BBB).
- Are They Licensed?
- While some states do not require a roofing license, it is important to work with a licensed contractor so that you have a peace of mind that they meet proper professional standards.
Ask one of our insurance claims roofing experts at Jireh General Contractors about the insurance claims process. We will be happy to walk you through the entire process from start to finish. We also offer several in-house financing options to help cover the cost of repair or replacement of your roof. We are a Better Business Bureau (BBB) A+ accredited roofing contractor. We are fully licensed, insured and bonded. Call us today (301-404-8409) for a complimentary estimate!