No one ever wants to be responsible for an issue that wasn’t their fault to begin with. So what happens when a storm damages your roof? You definitely need to schedule repairs or a roof replacement right away so that you don’t end up with expensive water damage. But should you be liable to pay for the service yourself?
Thankfully, that’s where homeowners insurance comes in. We’ll walk you through the process of filing a claim so you can learn how to get insurance to pay for a roof replacement. Keep in mind that only an insurance adjuster can approve a claim— not a roofing contractor. But it’s always wise to work with a skilled roofer throughout the process!
1) Review Your Coverage 💻
First and foremost, take a look at your homeowners’ insurance policy. There are multiple policies to choose from when signing up for coverage, so the plan you have may or may not cover the specific roof damage you’re dealing with.
Usually, you’ll be in the clear because most standard homeowners insurance policies cover the following perils:
- Fire or smoke
- Hail damage
- Wind damage
- Theft or vandalism
Keep in mind that flood and earthquake insurance must be purchased as separate policies.
If you experienced roof damage from a recent hail, wind, or thunderstorm, you are likely covered under any basic homeowners insurance plan, but it’s always wise to double-check.
2) Document the Damage 📸
Next, document the damage to your roof. It’s a good idea as a homeowner to take “before” pictures of your roofing and siding to reference if you ever experience damage down the line.
Even if you don’t have “before” pictures, take pictures of your roof damage to show to your insurance company. Any proof of the damage is extra leverage for when you file your roof insurance claim.
If you don’t feel comfortable getting up on your roof to document the damage, or even if you suspect damage but aren’t entirely sure, it’s best to call on a professional roofing contractor. This brings us to our next step…
3) Get a Professional Roofing Inspection 👷
Working with a knowledgeable roofing company is helpful in many ways. Hire a roofer to come and perform a storm damage inspection. Many reputable companies will offer this service for free.
In the inspection, your roofer will be able to confirm or deny the presence of storm damage thanks to their keen eye and industry experience. Additionally, they can take pictures of the damage for you. Plus, they can write up a detailed report that includes the recommended repairs or replacements as well as the associated costs.
These documents and a professional opinion backing you up can go a long way when you file your claim.
4) File an Insurance Claim 📃
Now it’s time to officially file your claim. To do this, you’ll need to call your insurer and explain the situation. They will walk you through the steps of filing a claim— whether online or by mail.
5) An Insurance Adjuster Will Examine Your Roof 📋
Once you’ve filed your claim, your insurance company will send an insurance adjuster to your property. They will perform an inspection similar to the one your roofing contractor performed.
It can be helpful to have your preferred roofing contractor present for the examination to advocate for you if needed.
6) If Damage Is Found, Your Claim May Get Approved 🥳
If your insurance adjuster also finds storm damage on your roof that was not your fault, there’s a high chance that they’ll approve your claim. Keep in mind that you’ll still need to pay your deductible if you haven’t already.
If your claim is approved, your insurer will send you a check. It’s possible that the damage you’ve sustained warrants a total replacement, or your insurer may only provide enough coverage for repairs.
You’re welcome to schedule whatever roofing service you ultimately want and use your settlement coverage towards the overall cost of the project. In some cases, your settlement may cover an entire roof replacement minus your deductible.
Tips for Dealing With Roof Storm Damage 💡
No homeowner wants to deal with property damage, but if you’re prepared in advance, the process will go much smoother. Follow these tips when filing an insurance claim:
- Only file claims when you genuinely have damage that needs repairing. Filing too many claims per year can raise your monthly rates.
- Work with a highly-rated and professional local roofing company. Avoid “storm chasers” who won’t show you their licensure and insurance.
- You’re allowed to work with your preferred roofing company even if your insurer recommends someone else.
- The process of filing a claim and ultimately receiving a check in the mail can be long. Prepare to remain patient.
- Only an insurance adjuster can approve your insurance claim. Don’t trust any roofing company that guarantees that they will get your claim approved.
- Don’t sign any contracts until you know if your claim has been approved or not.
- Opt to work with a roofing company that has experience with storm damage and insurance claims.
Your Local Roofing Advocate
If you’re dealing with roof storm damage, follow these steps to file a homeowners insurance claim. And when you get to the step of hiring a professional roofing company, trust Andes Roofing if you live in Southern Indiana or Louisville.
As the most professional team in the region, you’ll be impressed with our high-quality solutions, detailed inspections, and patient advocacy. We’ve helped hundreds of homeowners restore their roofs after a storm, and we look forward to lending a helping hand to you as well.Get in touch with Andes Roofing today to schedule a free inspection!