Insurance

Published on August 28th, 2018 | by admin

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Tips for Making an Insurance Claim for Roofing Damage

When extreme weather causes damage to your property, you should not have to pay for the cost of repairs. Knowing what you are entitled to and whether you are entitled to something is another thing entirely though. In the following post, we are going to get you started on the right path, if you find yourself needing to make a claim. Follow the following tips. 

Understand Your Policy

Look closely at the finer details of your policy. It could be that you are not fully covered for damages to your roof if it is 10 years or even older. While it could be the case that there is a time-sensitive deadline for which you need to make a claim after the damage occurs. It is important to know your policy inside and out, so that you don’t get any more frazzled or panicked than you would already be in that kind of situation.

Immediately Check the Damages

If it is the result of hurricane damage, it is vital that you check out the level of damage caused to the roof as soon as the weather calms down again. Although some will be obvious form the ground, it may mean that you need to get the ladder out and inspect it up close and personal. If you are in any doubt or don’t feel confident, contact a qualified roofer, like https://5starroofer.com/ to inspect it for you.

Be as Detailed as Possible

When filing an insurance claim, it is important that you are as detailed as you possibly can be, as this will give you a better chance of making a successful claim. In our modern world, it is relatively easy to take pictures now. Take as many pictures as you can, and if possible, film or snap when the actual damage started to occur and the results of the storm in step-by-step fashion. This will give your insurer a better idea of the difference between the before and after.

Get in Contact with Your Insurance Company

Although this is common sense, it is worth highlighting. Crucially, the quicker you phone them the better. Although you will want to gather evidence and ensure you have a reasonable claim for compensation, the longer you leave it the worse it will be for you. Besides, as explained earlier, there may be a time-sensitive clause in your policy, that means you need to contact them within a certain amount of time after the damage has occurred.

When your property suffers damages because of a natural disaster or something that wasn’t your fault it can be a very trying and stressful time. So too can dealing with insurance companies who don’t want to pay out. Armed with the tips above though, you will be better able to handle your insurance company and have a better chance of being successful in filing your claim for repairs and compensation for any damage done to your roof during the bad weather.

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