What to Expect When Submitting a Roofing Damage Insurance Claim

Today, most residential homeowners are paying attention to the "commercial owners' rulebook" and buying home insurance. This includes roofing damage insurance.

With all the natural disasters in America right now, like wildfires, earthquakes, and hurricanes, that extra peace of mind with roof damage insurance is essential.

If you have never put in an insurance claim for roofing damage, you might be wondering about the process. Keep reading to learn more about filing a roofing damage insurance claim.

Be Patient With the Process

Insurance companies move at the speed of dinosaurs when approving claims. This is common throughout the industry, so prepare for this glacial motion forward.

Do not get impatient or angry with the insurance claims adjuster if the process is too slow.

Make Sure To Keep Copies of All Documents

When you first notice roof damage, you must contact your insurance company immediately.

Treat the adjuster who comes along to check your roof and do an inspection with respect. They are the ones who approve or reject your claim, so you do not want to antagonize them.

Once they approve the claim, you can contact a roofing company to get your roof repaired. But even before the repair happens, the roofing company might come back to you and say that additional repair is necessary (over what the claim approved).

You will want to return to the insurance company with the supplemental claim and get that approved before proceeding with the roof repair.

Make sure to keep copies of all approvals, claims, and everything else. Also, watch your insurance policy to ensure you get what you paid for.

Follow Up With Your Insurance Adjuster

Your insurance adjuster is probably dealing with dozens of other insurance claims for roofing damage. So don't get annoyed if they aren't the most communicative.

The onus falls on you to keep in touch with your insurance adjuster and follow up with them in case there's a delay. Don't be rude or harsh with them.

Keep a rein on your temper, but follow up with them to ensure the process moves without glitches.

Don't Despair if Your Claim Is Rejected

There is a possibility that your claim might be rejected. There are many reasons for it, known and unknown. You could ask for a second opinion by requesting a different adjuster at your insurance company.

They might go along with the first adjuster's rejection or give you a different answer. If that still doesn't work, contact a roofing company and see if you can get financing options to complete your roof repair.

Put in a Roofing Damage Insurance Claim With Confidence

Now that you know what to expect when it comes to putting in a roofing damage insurance claim, you can go forth and do so confidently, no matter if you are a residential or commercial customer.

Are you still searching for a roofing contractor in St. Charles, Missouri, or surrounding areas? Contact Signature Exteriors. We've got you covered!