Roofs are the first line of defense against the elements, protecting our homes and possessions. When your roof is damaged, you’ve got to work with reputable roofing companies that work with insurance claims to ensure a smooth and efficient claims process.
In this blog post, we’ll explore the benefits of such collaboration, how to choose the right roofing company, and how roofing companies work with insurance companies.
Homeowners can greatly benefit from an effective partnership between roofing and insurance companies.
Roofing companies and insurance companies need to collaborate for an efficient claims process.
Roofers can ensure just compensation by providing your insurance company with a detailed inspection and accurate damage estimates.
As a homeowner, you should choose a roofing contractor with experience in insurance claims, proper licensing, and a positive BBB rating to maximize your claim.
The Role of Roofing Contractors in the Insurance Claims Process
A reputable roofing contractor can make all the difference in resolving your insurance claim.
Roofing companies often follow a series of steps to optimize the insurance claim process, such as:
- Assessing the damage
- Understanding the coverage
- Initiating the claim
- Liaising with the adjuster
- Submitting necessary documentation
- Communicating with the insurance company
- Executing repairs
They can also:
- Calculate your roof repair/replacement cost
- Clarify necessary repairs
- Provide itemized estimates for all work to be performed
- Assist with accurate insurance claim paperwork
- Suggest suitable materials
Let’s go more in-depth into two of the biggest things a roofer does while working with insurance companies: inspecting for damage and negotiating with insurance.
Inspect and Assess Damage
A roofing company has a significant role in giving precise damage estimates to an insurance company.
The roofer performs an initial inspection and damage assessment by visually scrutinizing the roof’s components and materials.
This check gives them a detailed understanding of the damage’s severity and the repairs’ urgency. They then use this information to determine the repair or replacement cost.
A roof replacement typically costs $5,000 to $15,000 or more, with the average cost between $9,000 and $10,000. But that price will fluctuate depending on your roof’s size and total linear feet of valleys.
Negotiate with Insurance Adjusters
A roofing contractor can do several things to ensure you receive a fair settlement from your insurance:
- Get multiple inspections and quotes from other roofers
- Attend the adjuster meeting
- Understand the insurance policy in detail
- Skillfully negotiate with the insurance company
- Be aware of complications that can potentially compromise your insurance claim
- Make the adjuster fully aware of the roofing project’s scope
Choosing the Right Roofing Company for Your Insurance Claim
In a situation as serious as an insurance claim, you need to work with someone you can trust.
When choosing a roofing contractor for your insurance claim, verify that they have experience with insurance claims, local licensing, and a positive rating from the Better Business Bureau.
Experience with Insurance Claims
Choosing a reputable contractor with insurance work experience is essential. It signals that the roofing company knows how to navigate the insurance claim process.
Their experience can benefit you by expediting the collection of funds and maximizing your insurance claims.
Local and Licensed
It’s wise to consult a local, reputable roofing company if your roof has sustained storm damage. These roofing businesses are more likely to follow local codes and provide reliable service. A local, reputable roofer will:
- Help you navigate any potential challenges
- Have a vested interest in maintaining a good reputation within their community
- Be available for future maintenance or repairs
- Provide reliable repairs
Not a Storm Chaser
Be extremely cautious of “storm chasers.”
Storm chasers are out-of-state roofing companies that come in after a major storm event and offer lower prices than local roofing companies.
These companies may employ scare tactics to sell new roofs. Their quality of work is often subpar and not compliant with local codes.
Look for these eight signs that a roofer is a storm chaser to help you avoid scams.
Better Business Bureau Rating
The Better Business Bureau (BBB) rating system uses a point-based scale to assess businesses. They use specific criteria to give each company a rating from F to A+.
A good BBB rating indicates a roofing company:
- Has established a name for itself
- Has extensive experience in the field
- Has a track record of delivering excellent service to its clients
- Is dependable
- Is a more reliable choice for handling your insurance claim
Roof Damage Typically Covered by Homeowners’ Insurance
Homeowners’ insurance generally covers typical roof damage, like damage caused by fallen tree limbs, hail storms, damaging winds, thunderstorms, and tornadoes.
Depending on your policy and location, coverage may also include fire and smoke damage, vandalism, and malicious acts.
Regular maintenance—including cleaning gutters, assessing for damage, and promptly addressing minor issues—can help mitigate future insurance claims and extend the life of your roof.
It’s crucial to comprehend the types of roof damage your insurance policy covers and the extent of coverage provided. This knowledge will help you make informed decisions when it comes to addressing any roof damage and filing a claim with your insurance company.
Steps to Filing a Roof Insurance Claim
Contact your insurance company first before engaging with a roofer. Checking with your insurance first will ensure you’re adequately covered for the roofing repair or replacement costs.
Before filing a claim and dealing with insurance paperwork, it’s essential to understand your insurance policy, its coverage, and any applicable deductibles.
To file your roof insurance claim, follow these four steps:
- Assess the damage
- Record evidence
- Reach out to your insurance company
- Collaborate with a roofing contractor to finish repairs
Once your roofer completes the repairs or replacement, you must provide evidence of completion to the insurer.
The insurer will then review the evidence and assess the cost of the services. Your insurance adjuster will subtract the deductible from the total cost and then issue you a payment for the remaining amount.
Handling Denied or Underpaid Roof Insurance Claims
Your roof insurance claim may be denied or underpaid. In such a scenario, there are several measures you can take to resolve the problem.
First, think about appealing the decision. Seek assistance from a roofing company experienced in handling insurance companies. These professionals can provide valuable guidance and support throughout the appeals process, helping to ensure a fair outcome for your claim.
In some cases, you may also want to consult with an attorney specializing in insurance claims. They can offer legal advice and representation, helping to protect your interests and secure the compensation you deserve for your roof repairs or replacement.
Roofing Insurance Claim Pitfalls to Avoid
- Calling your insurance company before assessing the roof damage
- Trying to repair the roof before talking to your insurance company
- Filing a claim for a roof that’s beyond its lifespan
- Not adequately documenting the roof damage
- Working with a roofer who doesn’t have local licensing, bonding, and insurance
Roofing Companies & Insurance Companies: The Unstoppable Duo
Roofing businesses play a vital role in the insurance claims process, ensuring homeowners like you have a smooth and efficient experience. Roofing companies work with insurance companies by inspecting the roof for damage, communicating about the project, and negotiating with insurance.
When choosing a roofing company to take on your insurance roofing work, pick one with experience in insurance claims, local licensing, and a good BBB rating.
By following these guidelines, you can protect your home and get a fair, timely resolution for your roof insurance claims.
Roof Insurance Claim FAQs
What should or shouldn't I say to a home insurance adjuster?
When speaking with an insurance adjuster, avoid making assumptions or claims you can’t back up. Be polite, stay professional, and provide only the facts.
Additionally, don’t sign any documents without fully understanding what you’re agreeing to.
How do I make a successful roof leak insurance claim?
To make a successful roof leak insurance claim, assess the damage to the roof, check what your insurer covers, document the damage, contact your insurer and a local roofing company, then file your claim.
How do I negotiate a hail damage claim?
Gather evidence of hail damage, take proactive measures to keep the damage from worsening, be prepared when the claims adjuster assesses the property’s damage, refuse to give a recorded statement, anticipate negotiations, and seek legal counsel.