If your roof has been damaged and you need to file an insurance claim, there are several steps you can take to ensure you receive the best coverage and reimbursement for the damage. Here are some ways a roofing company can work with your insurance adjuster.
If your roof has been damaged and needs a roof inspection: You’ll need to hire a roofing contractor to inspect your roof for damage. Your insurance company will also send an adjuster to your
property for a roof inspection.
The ROOFING CONTRACTOR and the INSURANCE ADJUSTER will perform the same roof inspection, but each may come up with different results for the cause of damages and/or the cost to repair or replace your roof.
DOCUMENTATION: It’s important to not just document all the damage to your roof with photos and videos, but also decks, guttering, porches, siding & windows. This information is helpful to your home insurance company in determining what the payout should be for your claim.
Remember that the MORE information you can provide, the more likely you may be to receive the full amount of compensation necessary to cover your roof repairs or replacement (and other related damages).
PUBLIC ADJUSTER: If the insurance company refuses or lowers your insurance claim, you may wish to find a public adjuster to assist with your claim.
PUBLIC ADJUSTERS are insurance experts who understand exactly WHAT IS AND IS NOT COVERED by most insurance companies. They negotiate with the insurance company on your behalf to ensure your damage claims are covered properly.
CHOOSING A CONTRACTOR: Your policy should allow you to be able to choose the best contractor(s), and not just what your insurance company “allows”.
It’s common for roofing contractors and insurance adjusters to disagree, simply because they have different interests.
While the insurance company is trying to save money, the roofing company wants to make sure that they can do the job correctly and with good materials, too.