Filing a claim with your homeowners’ insurance policy for roof damage can be an intimidating task. Especially for homeowners who’ve never dealt with their insurance company on a claim, it can be overwhelming and more than a little daunting. Fortunately, this is one of those situations where a bit of education can make the process much less mysterious.
Deciding to File a Claim
Generally, damage to your roof should be inspected by a professional roofer prior to calling your insurance agent. An inspection can help you determine if there is enough damage to warrant filing a claim with your insurance. Providing that the damage is severe enough, the inspection will then serve as an analysis of your roof’s condition.
Filing a Claim
Once you’ve determined that the damage is severe enough to file a claim, you should get in touch with your agent. The next steps will be outlined by them, and will likely include a visit from an insurance adjuster who will evaluate your roof, along with other property damage that may have occurred.
Getting Repairs after Filing the Claim
Once the insurance company’s adjuster has determined the extent of the damage, the company will send you an initial check to begin the repairs. If you have a mortgage, the mortgage company will have to endorse the check before you can get it cashed. After the check is endorsed and cashed, you can begin the necessary repairs to your property.
During the Repair Process
It’s very important to communicate with your contractor to ensure that the project is on budget and that all information submitted to the insurance company is accurate. Accurate project specifications are an essential component of getting the proper payment from your insurer.
Upon completion of the project, your insurance company will send a final check to cover the remainder of the costs (unless the initial check covered the cost). The contractor should provide you with the final paperwork on your new or repaired roof, including any warranty information.
Finding the Right Roofing Company
At Midwest Roofing, Siding & Windows, we’ve been serving the greater Minneapolis and Twin Cities areas for over four decades. We offer a Lifetime Workmanship Warranty; are fully licensed, bonded, and insured; and take pride in the continuing training of our team of roofing experts. Drop by one of our showrooms or contact us today for your roof repair and replacement needs.