Filing an insurance claim for roof damage can be tricky, especially if you’re not sure of the ins and outs of what your policy covers. After Hurricane Irma, many home and business owners found out the hard way that not all roof repairs and replacements would necessarily be covered by insurance. If you’re missing shingles after a storm (or worse!), take a look at these three tips to make sure you get what’s owed to you.
Before touching a thing, the first step is to contact your insurance company and get your roof damage insurance claim process started as quickly as possible. This is especially important if the damage to your roof is significant enough that it is no longer protecting your home.
Keep in mind that some insurance policies do not fully cover roofs that are older than 15 or 20 years or that have not been properly maintained prior to the damage.
In an ideal situation, you would have pictures of your roof before any damage has happened that you can present alongside pictures taken after the damage. You may want to get a quote and pictures taken from a contractor before moving forward with any repairs… but don’t take any action before working out the details on your insurance claim.
[pullquote]Contact your insurance company before making any repairs. If the damage requires immediate repairs, your insurance company should instruct you to take detailed photos first.[/pullquote]
It can be a huge help to call in a public adjuster instead of using the private adjuster sent by your insurance company. A public adjuster will work to make sure that all roof damage and repair costs are accurately assessed rather than working with the interests of your insurance company in mind.
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