Considering the lifespan of the average roof, most of the time, when a homeowner is seeking a roofing contractor for a roof replacement, it’s due to severe weather damage such as wind and hail. Luckily, these roof replacements are usually covered by most homeowners’ insurance policies.
A reputable roofing contractor should be very familiar with the insurance claims process to provide the best support for their customers. A roofing contractor should be able to walk you through the insurance claim process and answer any questions you may have.
A hail/wind damage claim is quite often the only claim a homeowner will file on their home insurance policy. Our team at American Roof Professional & Restoration has an excellent understanding of this process, making the process as painless as possible for our customers.
If you’ve recently filed an insurance claim, received a settlement, or are simply curious as to whether or not an insurance claim makes sense for you, our team can help make sense of it all. Call us today at 504-232-3483.
The Insurance Claim Process
Have your roof inspected by a professional and reputable local roofer.
When homeowners are in a situation where they think they make have to make an insurance claim, their first temptation is to call their insurance company first. However, your roof may not have damage. Contacting the insurance company before you’re 100% sure if you even have roof damage could result in the “claim” counting against you anyway. Always start with a free, no-obligation roof inspection and make sure the roofing company you choose provides you with a detailed inspection report.
Once you confirm there is roof damage, contact your insurance company.
Once you have a detailed report indicating the type and extent of the damage to your roof, you can then confidently file your claim on your homeowner’s policy. The insurance company will likely ask if your roof has already been inspected and whether you’ve selected a contractor.
Have the insurance adjuster and your roofer do a joint inspection.
Having both parties inspect the roof together will avoid disagreements or confusion about what will be covered by your policy. The sooner there’s an agreement as to what is covered, the sooner the work can begin.
Schedule a roof replacement with your roofing company.
Many roofing companies will assign you a Project Manager – a single point of contact you can use while the work is being completed. A typical roof replacement can take 1-2 days, from start to finish.
Your only out-of-pocket expense should be your deductible.
Once your claim has been made, and the work has begun, the insurance company will typically cut you a check. Once the job has been completed, you can then use that check to pay the roofing contractor. A reputable company will never ask you for payment prior to work being completed.
– Request for a Free Roof Inspection –
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This will entitle you for a free Roof Inspection.
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