Don't Let Storm Damage Sink Your Finances: Navigating Your Roof Insurance Claim

Don’t Let Storm Damage Sink Your Finances: Navigating Your Roof Insurance Claim

Residential Roofing, Storm Damage / By / November 27, 2024
Don't Let Storm Damage Sink Your Finances: Navigating Your Roof Insurance Claim

Your roof suffers damage due to a catastrophic storm or other disaster beyond your control. What should you do in the immediate aftermath of a devastating event? When and how do you get your insurance company involved? Homeowners often don’t understand the roof insurance claim process. What “obvious” steps must they follow to prepare and file a storm damage claim successfully? What other “hidden” factors must they consider to ensure a smooth process?

7 Tips For Filing A Roof Insurance Claim Successfully

Follow these tips to help improve your situation following a damaging storm or fire:

Many homeowners have a roof warranty but don’t even realize it. If you added a new roof within the last 5 to 10 years, you may have roof warranty coverage from the manufacturer. Know what coverage is available.

Knowledge is power. Because most homeowners lack knowledge or experience with filing an insurance claim, they need quality, reliable information from a roofing professional to understand what steps to take next.

Document. Document. Document. Take clear photographic evidence. Capture detailed video recordings. Conduct a perimeter assessment of your home and property following a storm to identify any signs of roof damage.

Fact: Your insurance company does not have your best interests in mind. Fact: You need an advocate to protect your position. Involving a reputable roofer will ensure you maximize the probability of a successful outcome.

Throughout your home ownership, maintain written records of any roof repairs or maintenance efforts you conduct. This documentation can prove valuable during the claim process, revealing you as a responsible homeowner.

Annually, you enter into a written agreement with your insurer through an insurance policy. It spells out your responsibilities and details what coverage you receive. Know these details before submitting an insurance claim.

Ignorance is not bliss, especially if it works against you. Immediately following a storm, hire an established roofing company to inspect your property and provide a comprehensive, detailed damage estimate.

Storm damage, ridge cap blown off on ridge of a roof

Finding A Reputable Roofer To Assist With A Roof Insurance Claim

For homeowners in the Twin Cities (MN), Midwest Roofing, Siding & Windows offers unsurpassed roofing services, including homeowner’s insurance claim guidance. We love serving the roofing needs of residents in Minneapolis, St. Paul, and surrounding suburbs. Contact us today to schedule an appointment and receive a free roofing quote.

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