Roofing Damage – Using Claims
Stormy season is upon us. We’ve seen close friends have trees fall on their cars and roofs. All this rain and wind we’ve been getting, it is so easy for something to happen. This is real, not just like the commercials. After any type of storm or accident where you have roofing damage and your roof needs to be replaced or repaired, finding out what to do next can be quite difficult. Dealing with insurance claims, talking to adjusters to make sure you are compensated and all the damages are covered is a process no one wants to go through. Many homeowners don’t know how to file a claim, what the process entails, what documentation is needed, or who to talk to.
Roofing Damage Kansas City – Using Claims
A home insurance company knows that the most important part of your house is the roof. It can lead to far more damage claims if the home itself has roofing damage. According to the Insurance Institute for Business and Home Safety, there is a payout relative to the roof cover in more than 90 percent of hail or high-wind claims. These companies review roofing claims in great detail and expect that you document everything in a professional manner to process your claim correctly.
First things first, you should contact your insurance provider to see what is covered and what is not covered. Some home insurance companies use policies that take the age of your roof into account when the roof is damaged. Sometimes the value of your roof can deprecate, like the value of a used car. Less than 10 years may get you a new roof completely covered, while a roof over 10 years may only be slightly reimbursed. Most companies send out an inspector to make sure the damage is not from aging, wear and tear, or poor condition of the roof to begin with, as in these cases it would be considered normal maintenance, and no reimbursement would be made.
Make sure you document everything well, with before and after photos, updating anytime you have any maintenance work done on your home exterior. All invoices, estimates, bills can come in handy during the claim process.
Don’t sit and wait around if you feel you have roofing damage. Have an expert take a look.
