No one likes having their roof replaced. Especially when it comes with unavoidable pricetags. But what if we told you those unavoidable costs might actually be completely avoidable?
Replacing a damaged roof can be a costly endeavor, but if you have insurance coverage, you may be able to get your insurance company to pay for a roof replacement. This guide aims to provide you with a comprehensive step-by-step approach to maximize your chances of having your insurance claim approved and your roof replacement expenses covered. We’ll cover:
- The steps you need to follow
- What is and isn’t covered by your homeowners insurance
- How to understand your insurance policies
Keep reading to get the fresh new roof that you deserve.
Insurance Policy Coverage
Every homeowner’s insurance policy will be slightly different, but there are some general tools of thumb that you can follow to determine whether or not your roof damage will be covered by your own. Here are some things that are and are not covered by insurance.
- Hail damage
- Damage from fallen trees
- Damage from fallen structures like power lines
- Storm damage
- Damage from neglect
- Damage from incorrect installation
- Damage from foundation shifting
- Damage from age
11 Steps to a Roof Replacement With an Insurance Claim
Dealing with an insurance company can be confusing for even a seasoned homeowner. Follow along with these steps for a seamless roof replacement process.
Step 1: Understand Your Insurance Policy
The first step is to carefully review your insurance policy, specifically, the section related to roof damage and replacement. Pay attention to coverage limits, deductibles, exclusions, and any specific conditions or requirements for filing a claim.
Step 2: Document the Damage
Thoroughly document the damage to your roof. Take clear photographs from multiple angles, capturing all visible signs of damage, such as missing or broken shingles, leaks, or structural issues. Make detailed notes about the date, time, and specific circumstances surrounding the damage.
Step 3: Mitigate Further Damage
Take immediate action to prevent any additional damage to your roof. Cover any exposed areas with tarps or temporary patches to prevent water intrusion or further deterioration. Keep receipts for any materials or services used for temporary repairs, as these may be reimbursable by your insurance company.
Step 4: Contact Your Insurance Company
Notify your insurance company promptly about the roof damage and your intention to file a claim. Obtain the contact information for the claims department, and make a record of the date, time, and details of your conversation. Be prepared to provide them with the documentation and evidence you collected in Step 2.
Step 5: Schedule an Inspection
Request an inspection of your damaged roof by your insurance company’s adjuster. Cooperate fully during the inspection process, ensuring that the adjuster has access to all areas requiring assessment. Provide them with the documented evidence and answer any questions they may have.
Step 6: Obtain Estimates from Roofing Contractors
Obtain written estimates from reputable roofing contractors for the cost of the roof replacement. Ensure that the estimates are detailed, specifying the materials, labor, and any additional work required. Multiple estimates will help support the validity of your claim and demonstrate that the quoted amount is fair and reasonable.
Step 7: Review the Adjuster’s Report
Once the adjuster completes their inspection, they will provide you with a report detailing their findings and the recommended actions. Review this report carefully to ensure it accurately reflects the scope of the damage. If you disagree with any aspect of the report, document your concerns and contact your insurance company to discuss them.
Step 8: File a Detailed Claim
Prepare a comprehensive claim letter that includes all relevant information, such as the date of the incident, the extent of the damage, and a copy of the adjuster’s report. Attach the roofing contractor estimates, photographs, receipts for temporary repairs, and any other supporting documentation. Be clear, concise, and provide a persuasive argument for why your claim should be approved.
Step 9: Follow Up Regularly
Follow up with your insurance company regularly to ensure that your claim is progressing. Maintain a record of all communication, including the date, time, and names of the representatives you speak with. If there are delays or issues, politely inquire about the status and ask for clarification on the next steps.
Step 10: Consider Mediation or an Appraisal
If your insurance company denies or undervalues your claim, you can explore alternative dispute resolution options. Mediation involves a neutral third party facilitating negotiations between you and the insurance company. Appraisal entails an impartial evaluation of the claim’s value by a qualified appraiser. Both processes can help resolve disputes and reach a fair settlement.
Step 11: Review Your Options
If all attempts to negotiate with your insurance company fail, you may consider seeking legal advice. Consult with an attorney experienced in insurance claims to determine if legal action is warranted and to explore the potential courses of action available to you.
Talk With a Pro Roofer
Getting your insurance company to pay for a roof replacement requires careful documentation, effective communication, and perseverance. By following the step-by-step guide outlined above, you can increase the likelihood of having your claim approved and receiving the necessary funds to replace your damaged roof. Remember to familiarize yourself with your insurance policy, maintain detailed records, and consider professional assistance if needed.
And if professional assistance IS what you want, the team at Tectum Roofing is more than happy to help. As local experts, we are familiar with the insurance process and can help explain it all to you. Contact us today to set up an appointment!