Buildings
Unfortunately, everything including roofs decays with time. Sometimes they can be fixed by getting minor or major repairs. However, at times, they are irreparable and need to be replaced. Roof repairing can be paid out of your pocket, but getting a roof replacement service can be costly. To avoid this, you can learn how to get insurance to pay for roof replacement after accidental roof damage. You can submit a homeowners insurance claim to prevent hefty costs.
When filing a roof claim if you do not follow the proper steps, the insurance company may deny your claim. If you don’t know how to get insurance to pay for roof replacement, then this blog is for you. We have given a step by step guide for homeowners to get insurance to pay for their roof replacement.
5 Step to Get Insurance to Pay for Roof Replacement
By following the below-mentioned steps, you can easily get a roof insurance claim and a new roof installed without any hassle or stress.
- Review Your Insurance Policy
If you notice any damage to your roof, then before placing a claim, have a look at your homeowners policy and the coverage details on the roof damage. If you have never looked upon your roofing policy, then it might take a bit of research. You can also request a copy of the policy from your insurance company or agent.
Majority of insurance companies cover two types of insurances:
- Repair coverage
- Replacement coverage
Replacement coverage provides for the roof replacement that is irreparable. However, it is an expensive policy and harder to get a claim accepted. Therefore, it is crucial to document the damage and submit a claim as early as possible. The roof replacement coverage can only be claimed and may be accepted only if the damage is not repairable.
- Document Damage and Contact Insurance Company
After you determine that the roof’s damage is covered under the homeowners roof insurance, you should document the damage. Before filing a roofing claim, take plenty of clear pictures of the damaged roof. You can also add interior damage to the roof, if necessary.
In this step, you can also hire a local roofing company like Ricks Main Roofing to help you take clear pictures of your roof damage.
Moreover, you should also document the date and time of the damage. You have to explain to your roofing company what happened to your roof. Along this, if your roof was damaged by any natural disaster, then you can find articles online matching dates of those damaging events to back up your claim.
Moving forward, visit the official website of your insurance company for information about how to submit a claim. This is because many companies require you to file your claim within a confined time frame after the damage.
- Schedule a Roof Inspection
Before approving the claim, the insurance company wants to have an inspection report and a roof replacement estimate.
Here you can hire a reputable roofing company like Ricks Main Roofing with insurance claims experience to perform a roofing inspection. Roofers can look for damage and make a detailed report for the insurance company.
If you do not hire a professional roofing company for the roof inspection, the insurance agency may pay someone to schedule a roof inspection. The third-party inspector may try to find a reason to deny a claim as they will be representing the insurance company. Therefore, it is a better and safer option to take the inspection charge and hire the best roofing company on your own.
After a roof inspection, get written estimates from your roofing contractors.
- Try to Avoid Scammers
When you are trying to get insurance, there are many potential scammers looking to take advantage of you. They can promise a free roof and make many other big promises. They also take a handsome amount of money and run away as fast as they can. These scammers look legit which is why homeowners often trust and pay them to get quick repairs for low prices.
The scammers usually go from door to door and look for homes with major roof damage. They are expert salespeople; however, they don’t deliver what they promise. That’s why before you sign any contract, make sure to perform proper research and see whether they are licensed or not.
- Submit Documents and Follow Up with Your Insurance Agent
After all the above mentioned steps, provide your insurer with all the necessary documentation like pictures, necessary forms, replacement estimate reports, etc. After that, your insurance company will tell you what else they need for claim approval.
Then, they will allot you a time frame (usually about 15 days). After the time frame, the insurer will let you know whether your claim is approved or not.
- If they have denied your claim, you can appeal the decision and stay in touch with the agent for further follow up.
- If they have approved your claim, you can start working with your hired roofing contractors to complete new roof replacement. After the roof is replaced, it is suggested to get it inspected regularly. Moreover, get a routine roof maintenance service to keep it in shape and avoid any major roof repairs.
Contact Ricks Main Roofing for Your Roof Replacement Needs
Whether you need a professional roof inspection or a roof replacement service, you can rely on Ricks Main Roofing. We ensure a smooth, hassle-free, and seamless inspection and replacement process. From damage inspection and assessment to meeting with your insurance company, we cover every step along the way. Therefore, without any further waiting, get in touch with us right away and get your claims approved and a new roof as quick as possible!
