How to Get a New Roof from Insurance
We may take our roof for granted — until a hurricane, fallen tree,
or even those neighborhood squirrels make things messy. If you find damage
to your roof, you'll want to claim homeowner's insurance to will
your out-of-pocket costs. Where to start, though, might not be obvious.
Unfortunately, if you don't take the proper steps to file a roof claim,
your insurance provider can reject your request due to an exclusion in
the policy. That's why we're showing you four measures to get
homeowners insurance to replace your roof.
1. Know your roof insurance policy
When you first find damage to your roof, look at your homeowner's policy
and the roof coverage. This will take some analysis if you've never
paid much attention to your strategy, but the details will also help guide
your roof repair financial decisions. You may also obtain a copy from
your insurance company.
Most insurance companies sell two roof insurance types: repair and replacement
coverage. Repair compensation typically reimburses homeowners for several
repair costs. Replacement coverage, on the other hand, allows for repairing
a roof beyond repair. These plans are more costly and hamper accepting
an argument. Therefore, recording the damage and filing a claim as soon
as possible is so necessary.
Unfortunately, homeowner's insurance won't cover all roof harm.
Your coverage depends on your policy, location, and cause of injury. A
hail storm that damages a roof, for example, can qualify for content because
it's a rare and unpreventable occurrence. However, a hurricane that
damages a Florida roof may not be protected due to such incidents'
frequency. The homeowner lacks hurricane-related coverage or has not taken
sufficient precautions. If you or an inexperienced (or unlicensed!) roofer
caused roof damage, your roof repair could not be covered either.
If you have roof coverage questions, contact your insurance provider and
request more information.
2. Document the loss and contact you insurance agent (or insurance attorney)
When you decide that your roof damage is protected by your homeowner's
insurance (or you think it should be), the next step is to record the
damage. Take plenty of photos — not just the exterior damage, but
also your home's interior. If you have a tall enough ladder and feel
safe to do so, climb it carefully to take pictures or use a camera drone
that will be even better. However, if you can't assess all the damage
safely, contact an experienced inspection roofing company — you're
safer than sorry.
Notice also the damage date. If a storm, such as a tornado or a hurricane,
damaged your roof, find articles online matching the date of these damaging
events to support your argument.
Check your insurance company's website for guidance about how to make
a claim. Many laws require a homeowner to file their request after the
incident within a specific timeline. You'll want to know your insurance
company's procedure, as your claim will be rejected if you wait too long.
If you have any questions, you can contact an experienced home insurance
attorney to file the claim on your behalf for little to no charge.
3. Dealing with insurance company's "independent adjuster."
After you file a home insurance claim, the insurance company will send
out an "independent insurance adjuster." They will look for
damage and compile the insurance report. We note that these adjusters
are often poorly trained and spent short amounts of time during these
inspections. The insurance company can try to find an excuse to reject
the claim. However, you give yourself the best chance to get the insurance
to cover the roof repairs by taking control and hiring an experienced
and accomplished roof damage attorney.
4. Insurance scams and storm chasers
When insurance is involved, scammers will take advantage of you. In the
aftermath of a significant storm, scammers will find canvas neighborhoods
with a free roof pledge-be careful, and this is most definitely not a
legitimate company. People are going door-to-door are professional salesmen
and will try hard to persuade you to sign on the dotted line.
As we covered earlier, insurance covers specific causes of roof damage,
but not all. An old, worn-out roof does not warrant an insurance claim,
but if the salesperson says it does, it's off. They can even tell
the damage is so bad you need to act immediately. Another strategy is
pretending to give you a good deal, as they happen to be in the city,
but you must serve immediately. These shameful sales closing tactics alert
signs; this is not a legitimate company. When in doubt, contact an experienced
home insurance attorney.
There are many items to do to classify scammers. For one, you should ask
for a copy of their liability insurance and any other certificates a reputable
roofing business should have. It's even safer if they're physically
in the field. Request an address and business license. Finally, you can
search for online reviews for complaints about this company.
5. Take effective next steps in the replacement
After filing your insurance claim and enlisting a home insurance attorney
to provide supporting evidence, your insurance company has the power to
decide. After the assigned timeframe (usually about 15 days), the insurance
company will let you know if your claim has been accepted or rejected.
If they reject your claim, you still have rights. These methods vary by
the insurance provider, so check with your home insurance lawyer for guidance.
If your roofing claim is approved, you will work with your selected contractors
to complete your new roof installation. When the roof is removed, we suggest
regular inspection. Not only can routine maintenance maintain the roof
in better shape, but it will make potential roofing claims easier to be
accepted as you will have both written records and photographs noting
the roof's past condition.