How to File an Insurance Claim for Roof Damage

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How to File an Insurance Claim for Roof Damage

The roof is a protective layer of a house that can be damaged at any time.

During severe storms, these events are likely to occur. When you have to file an insurance claim for roof damages, you might feel overwhelmed and not know where to start.

Who do you call first? Should you contact a roofing contractor to take care of the damages?

There are helpful steps you can take to successfully file an insurance claim for your property. This article explores the basics of filing a claim for a damaged roof. If you’ve never filed a claim before, this is a guide for you.

1. Does your Insurance Policy Cover Roof Damages?

Do you have roof insurance?

Homeowners may feel intimidated with the process of filing an insurance claim. However, this is an essential responsibility for you to get reimbursement for the covered damages.

To file a claim for a damaged roof, you will first need to find your homeowner’s insurance policy to make a note of the policy number and deductible. In order to know for certain what’s covered, it is best to contact an insurance provider.

Depending on the age of your roof and type of damage, you can get a reimbursement for the repair or replacement of the damaged area of your property. In most cases, an insurance inspector is sent to your home to verify your claim.

2. Organize Documentation for the Claim

Make certain that your insurance claim is properly supported with documented proof. In order to obtain a stress-free claim filing process, you will need to organize your facts and provide photos of damages. Bear in mind that you should have before and after photos of your property.

In addition, it is also important for you to provide documentation of estimates, bills, and invoices you receive. The more proof you have, the easier it is for you to have a successful claim.

3. Hire an Insurance Repair Contractor

For a roof damage insurance claim, it’s critical to find a licensed contractor with insurance expertise.

Before you get your damaged roof covered by insurance, obtain an estimate from a reputable contractor. In most cases, an insurance company will recommend a contractor with the right skills to perform the job.

You can also opt for a roofing company of your choice. Good roofing contractors have extensive experience. They also provide estimates for a roofing project. They will offer documentation of their license number, insurance policy number for a contractor’s general liability and other significant information that will help you to safely navigate your way through the claim filing process. 


Never procrastinate when you have a damaged roof.

The most important factor for you to keep in mind is to have your property inspected right away by a professional roofing contractor. By speeding up the process, you can avoid further damages that your insurance policy will not cover.

If you would like more information about roof damages, have a look at our contact us page for more details.

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