It is never a good feeling to file a roof insurance claim; however, someone or the other might have to do it, and if you don’t know how to go about it, read this blog to find out how. There are a few things that you will have to do and to make the process easy you can get in touch with a roof claim attorney who has the right expertise and knowledge. The attorney can make the whole process easy and smooth.
Here are the steps that you will have to take
Step 1: Schedule a Roof Inspection
Before going ahead with a roof inspection claim, the first thing that you will have to do is get your roof inspected. Call an expert and independent roofing inspector to check the condition. Once the damage has occurred, you need to get the roof inspected as soon as possible. However, ensure that you don’t call someone to start doing the repair. Before an inspection, the roof inspector should provide you with some documentation, and shouldn’t force you to sign on anything.
Step 2: Find Out About the Policy You Have and what it covers
The insurance company will determine how much the insurance will cover based on certain things. These are- the age of the roof, cause of damage, and also the geographic location of your house. If you have an insurance cover and aren’t really sure about the factors that will determine the amount you will get from the insurance company, better to call the insurance company. The representative of that company will be able to explain everything properly. Some of the details that will be asked by the insurance company are- time and date of the damage, what is your policy number, the kind of damages, photos, videos, and documentation regarding the damage. Ensure to get as many documents as possible.
Step 3: Be Ready with Documentations
Your insurance company will need some proof of damage. It is better to be prepared with as many of them as possible. You should take pictures of your home. It is also better to take photos of the roof periodically. This will help you to explain how your roof was before and how it looks now. If you go for repair, ensure that you take pictures, after they repair the roof as well. Then, if there is an incident that causes the damage, take your camera, and start taking pictures right away. Apart from this, you need to keep the receipts with you as well after every repair and maintenance check that you do. This will include contractual paperwork and purchase orders.
Once these things are done, you need to file a claim. The insurance company will assign an adjuster for your case. The person will go through all the documents, pictures, receipts, etc. that you share to begin the process. They might want to have a word with the independent roof inspector as well to confirm the case. Hence, be prepared for everything.