Storm Damage Insurance Claims To Your Roof
To a home insurance company, the roof is the most important part of your house. It’s the gateway to far greater damage claims once it’s damaged. In more than 90 percent of hail or high-wind claims, there is a payout relative to the roof cover, according to the Insurance Institute for Business and Home Safety. Insurance companies review storm damage claims to your roof very carefully and they expect you to provide proper documentation and other information in order to process your claim.
Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a professional roofing contractor. This is where Red River Roofing can help. We are your insurance experts helping you navigate your way through the roof damage insurance claim process.
Here are a few tips to keep in mind if you suspect your roof has storm damage and may need to file a claim:
- Roofs seldom actually leak immediately from hail damage. The claims that are issued today almost always involve roofs that are not leaking and the alleged damage is not visible to the naked eye.
- In the event of a serious weather event, your area will be flooded with people claiming to be reputable roofing contractors who will try to talk you into signing a contract right then by claiming you will have no out-of-pocket expense. This is called a “Per Insurance Proceeds (PIP) Contract” or a “Roofer Contingency Contract”. Be aware that these are legally binding contracts and when you sign a PIP contract, you are giving that contractor authorization to install whatever quality of roofing system HE decides.
- The National Roofing Contractors Association urges you to get a detailed cost estimate upfront from any contractor you are considering. This estimate should include details on product names, scope of work, warranties, payment process, etc. If you do not get this information in writing, you have no protection against the use of inferior products or workmanship.
- For a complete list of guidelines designed to eliminate your risk, please click here to download a free copy of our popular “Choosing a Contractor” guide.
- No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if it is border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof.
Red River Roofing will provide you with a free inspection to determine if the roof has been damaged and if it is in your best interest to make a damage claim to your insurance company. When it comes to storm damage, choose a residential roofing company by their reputation as a roofing company, not based on how they can help get a claim approved. A good roofing company will provide an honest evaluation on the likelihood of your claim approval. The insurance adjuster has the final say if the roof needs to be replaced or repaired. Red River Roofing is your local contractor that will still be in town taking care of you, long after the storm is gone.