Everything you’ve done has been perfect. As a result of your investment in quality roofing material and reasonable maintenance, your roof is in good condition. Despite that, you have a damaged roof.
The most important part of your house will now cost you anywhere between $200 and $3,000 to repair!
Insurance for your roof is an excellent investment that pays dividends. You can maximize the value of your insurance coverage by knowing what you need to do when filing a claim.
If you’re filing an insurance claim for your roof, keep these tips in mind.
- Look into Your Policy
The first step is to wait before calling a roofing repair professional. Feel free to contact us whenever you need us.
Your first instinct might be to call us, but your insurance policy needs to be your focus.
You should start by researching your coverage in detail. Your insurance provider’s website may be able to offer you a copy if you don’t have a hard copy of your proof of insurance.
If you investigate your coverage, you can find out what’s covered and what’s not. All types of damage, such as weather damage, vandalism, and fire, are generally covered.
It is important to note, however, that some insurance companies include depreciation in their calculations. It is possible that your coverage may not cover the entire cost of repairing your roof if it is over a few years old.
- Document the Damage
you should take some pictures of the damage because a picture is worth a thousand words.
Make sure the photos are well lit and taken from multiple angles.
And besides taking photos, record information such as when and what caused the damage to your roof, as well as what specific areas were damaged.
Providing documentation is an essential part of the process. It is so important that most agencies require documents before taking effect of your coverage.
- File Your Claim as Soon as Possible
It is imperative that we act quickly. Filing your claim begins as soon as your documentation is ready.
To schedule a repair, you need to file as soon as possible.
- Take Notes
If you are speaking with your agency, keep a pen and a pad nearby. Make a note of the names of the people you spoke with, the time of the call, and the details of your conversation.
Keep a paper trail of information in case a conflict arises, even if it’s unnecessary to use them.
- Don’t Be Afraid to Fight Back
There is an intentional effort made by insurance companies to make filing a claim difficult. Their business model depends on losing money that way.
Directly talking to the supervisor can minimize lowballing and approve specific authorizations that can’t be supported by customer service reps.
You can always refer to your notes whenever you are unsure, especially if they are trying to avoid paying. Maintain reasonableness (and kindness, as well) while remaining firm.
Raise the Roof: Tips for Filing a Roof Insurance Claim
It can be a frustrating and time-consuming process to file a roof insurance claim, but these tips should ease the process a bit. To make your claim as successful as possible, keep these tips in mind.
To learn more about our services, don’t hesitate to call Legend Roofs at 405-352-7307 and get a FREE no-obligation estimate today. We service areas in Shawnee, Noble, Tecumseh, Oklahoma City, Norman, Moore, and Duncan, OK.