Roof Damage Insurance Claim Process A Step-By-Step Guide

If your home has suffered roof damage as a result of a storm, it’s important to understand the roof insurance claim process in order to get the coverage you deserve. Here’s a step-by-step guide to help you navigate the process:

Step-By-Step Guide

Assess the damage: The first thing you should do is inspect your roof and make a list of any visible damage. Take pictures and document everything, as this will be important for your insurance claim.
Contact your insurance company: Once you’ve assessed the damage, the next step is to contact your insurance company and report the loss. Make sure to have your policy number handy and be prepared to provide a detailed description of the damage.
Wait for the adjuster: Your insurance company will send out an adjuster to assess the damage and determine the cost of repairs. This may take a few days or even a week, depending on the severity of the storm. It is wise to have, but not required to have your roof contractor on the roof during the inspection.
Review the estimate: The adjuster will provide you with an estimate of the cost of repairs, which should include a breakdown of the materials and labor needed. Make sure to review this roof damage estimate carefully and ask questions if anything is unclear.
Get estimate from Roof Pro, LLC: It’s a good idea to get a estimate to ensure you’re getting the best price for the repairs. Make sure to provide contractor with a copy of the adjuster’s estimate so they can accurately price the job.
Negotiate with your insurance company: If the cost of roof damage repairs is more than your insurance policy covers. You’ll need to negotiate with the insurance company to get the additional coverage you need. This may involve providing additional documentation or justifying the additional costs.
Get the repairs done: Once you’ve received the necessary coverage, it’s time to get the repairs done. Make sure to choose a reputable contractor and get everything in writing, including the cost of the repairs, the timeline, and any warranties.