Sometimes it’s an unexpected disaster, a bad storm that takes a toll on your roof. Sometimes it’s something you’ve seen coming for years. But when it comes time to have a roof replacement, you know you can’t avoid it for long. It’s a stressful situation in general, but one of the most stressful aspects of the process is trying to file an insurance claim for the roof replacement.
The long phone calls, the follow-ups, sometimes even the involvement of your mortgage company, can all combine to form a beast of a headache for homeowners. In these cases, it can only help to be prepared. Here are some steps you can take to make the process a little easier.
Find Out What Your Insurance Covers
Don’t take it granted that your insurance policy will cover whatever happens to your roof.
Not all insurance policies are created equal. The age of your roof and the reason for the roof replacement all play into how much the insurance company will cover for your roof replacement, or even if they cover anything at all. Your policy can also change from year to year, which can make it difficult to keep up with what it covers. When it’s time for a roof replacement, you need to file as quickly as possible to ensure the best coverage, so this is the kind of information you should have before disaster strikes. Call your insurance company to make sure you know what policy you have and keep a current copy of your policy at all times.
Take Full Inventory and Pictures of Damage
When it comes to insurance companies, it’s critical to have a record of all the damage.
The day after a storm, you should take a good look at the roof and the attic to list all the damage. Take pictures of everything you see. It’s actually a good idea to take the occasional picture of your roof before it’s damaged, too, so that you have something to compare it to. In this case, it might be a good idea to hire a roofing contractor to do a thorough roof inspection. They may be able to notice damage that you overlooked and point it out to you. They may also have insights on what to expect when contacting the insurance company.
Hire Trusted, Experienced Roofing Contractors
It’s a good practice in any service to hire an expert.
The right roofing company, with years of experience and satisfied reviews from customers, will not only be able to complete the work easily–since they do it every day–but they’ll provide a quality roof replacement that will last for years and years to come.
But hiring a trusted roofing contractor isn’t just a good idea for the quality of your roofing project. It’s also helpful to find a company that has a great reputation with insurance companies. They can help you through the insurance claim, and when all parties work well together, the entire process will run more smoothly. When you know you can trust your roofing contractors with every aspect of the process, it will be much easier for you to relax through this stressful time.
First Texas Roofing not only has 15 years of experience providing quality roof repairs and replacements to very satisfied customers, we also have a great reputation with insurance companies. We can work directly with the insurance company to make sure your roof replacement is covered and your coverage is maximized. Contact us today for more information about getting the best value for your claim or for a free quote.