If there’s one trait which defines Mother Nature, it’s “unpredictable.” You don’t always know when a storm will hit your Wyoming home and cause excessive damage to your roof. When it does, you need to take quick action, which includes working with your insurance company to get a favorable claim in relation to the damage done to your roof. The following are tips and suggestions to help make the claim process easier and more beneficial to you.
1. Act quickly
As mentioned, it’s essential to act quickly when a storm damages your roof. First, call a roofer and schedule an inspection for as soon as possible. The roofer will determine what repairs are needed – or if you’ll need a roof replacement.
Contact your insurance agent or company right after you speak with a dependable roofing contractor. The sooner you get the claim process started, the better.
2. Document the damage
You can document the damage on your own even before you speak to a roofer or insurance agent. It’s often beneficial, even if your roofer will do an inspection and assess the damage thoroughly.
Make sure to document (from the ground) all the damage done to the exterior and interior of your home. Storms can lead to leaking roofs and potential damage to your home’s interior.
3. Schedule the adjuster meeting
You’ll need to have an insurance adjuster come to your home to examine the roof. It’s always helpful to have your roofer on hand because they can help make the claim adjuster’s quote more accurate and fair for you.
4. Know what’s covered
Being knowledgeable about your homeowner’s insurance and what it covers regarding roof damage is very helpful for getting a fair claim. Some things to know include:
- The amount of the deductible. If the cost of the deductible is close to the costs of needed repairs, it might not be worth filing a claim.
- Know the type of policy: some cover the cost of replacing a roof minus the deductible while others only cover the cash value of what was lost.
- Know exactly what the policy covers. Many policies, but not all, cover damage caused by natural events such as fire, wind, snow and ice, tornadoes, etc.
- Find out if you have code upgrade coverage on your policy. It is the contractor’s responsibility to ensure your roof is installed correctly to code and follows the manufacturer’s installation requirements. These building codes were written to protect property owners. This way, you can avoid unforeseen additional costs after the project is completed.
Call Wyoming Roofing when your roof sustains damage. We understand the insurance process and will help you to get a fair claim.