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How to File a Roof Insurance Claim: Step by Step
Discovering damage to your roof is never a pleasant experience. But before you panic, remember that you have homeowner's insurance for a reason.
Filing a roof insurance claim can be a daunting process, but with the right knowledge and preparation, you can navigate it smoothly and get the repairs you need.
In this article:
Step 1: Understand Your Roof Insurance Coverage
Before you attempt to file a roof insurance claim, it’s important to understand your coverage.
Thoroughly reviewing the documentation you received from your home insurance provider can help you understand what you’ll need to do to file a claim. It will also give you a good idea of what might be covered and what likely won’t be covered.
Review Your Policy
When you enrolled in your homeowner’s insurance, you should have received policy documents outlining your policy and coverage. These documents should thoroughly outline what your policy covers.
Most policies cover damage caused by wind, hail, snow, ice, falling objects, and fire. However, there may be exclusions for wear and tear, neglect, or pre-existing conditions.
Carefully read your policy and make sure you understand what is and is not covered.
If you do not have your policy documents, call your insurance provider and request a new copy. This may also be available online or by email.
Know Your Deductible
Your deductible is the amount you‘re responsible for before your insurance kicks in. Knowing your deductible will help you determine whether filing a claim is financially worthwhile for minor damage.
Your deductible should be clearly stated in your policy documentation. You can also contact your insurance company to directly ask them what your deductible is.
Step 2: Assess the Damage
Next, you’ll want to assess the damage to your roof and the surrounding structures, or anything that might have been damaged as a result of the roof damage.
Safety First
Before climbing onto your roof, ensure it's safe to do so. If there is significant damage or you are unsure about your safety, contact a professional roofer for an inspection.
Contact Professional Roofers
Even if you assess the damage yourself initially, it’s wise to contact professional roofing contractors at this point in the process. Skilled and knowledgeable roofing contractors can assist you throughout the process of filing your roof insurance claim, so it’s smart to bring them into the process early.
Document Everything
Take detailed photos and videos of the damage from various angles. Be sure to capture close-ups of any specific areas of concern, such as missing shingles, cracks, or leaks.
You should also document damage to structures other than the roof if they’ve been impacted, such as walls and floors or personal property inside the house.
Identify the Cause
If possible, try to determine the cause of the damage. This information will be helpful when filing your claim.
Defend Against Ongoing Damage
Don’t make any structural repairs before filing your roof insurance claim. However, it’s a good idea to mitigate the ongoing damage being done by redirecting leaks and protecting your belongings with plastic sheeting.
Often, insurance will even allow you to hire an emergency service to tarp your roof to prevent further damage. This is because they do not want to pay out more than they have to so many insurance providers have allowances for emergency repairs to stop further damage.
Step 3: Contact Your Insurance Company
Next, you’ll need to contact your home insurance company to start the claims process.
Report the Roof Insurance Claim Promptly
The sooner you report the claim, the sooner the process can begin. Most insurance companies have deadlines for reporting claims, so don't delay. Depending on your home insurance provider, you may be able to start the claim process through an online portal.
Do not feel like you have to rush and hire the wrong contractor. According to MD law, you have up to 2 years to file a claim. The insurance provider might have a shorter window to file but MD law always trumps their internal policies.
Provide All Necessary Information
Be prepared to answer questions about the damage, the cause, and any repair estimates you may have obtained. You may also be asked to provide photos of the damage.
Schedule an Inspection
Your insurance company will likely send an adjuster to inspect your roof. Be cooperative and provide the adjuster with access to the damaged area.
Step 4: Continue Through the Roof Insurance Claims Process
Once you’ve started the roof insurance claim, your insurance company will move you through the various steps of reaching a settlement. It’s important to know that you’re not bound by your settlement offer from your insurance company and that you have options if you’re not happy with the settlement.
It is important to have a contractor ready that has your back and can help get you code upgrades and supplement the roof if the insurance is just trying to get away with doing the bare minimum.
Negotiating the Settlement
Once the adjuster has assessed the damage, your insurance company will provide you with a settlement offer. This offer may not cover the full cost of repairs, so be prepared to negotiate.
Choosing a Contractor
If you haven’t brought in a professional roofing contractor to help with your insurance claim already, now is the time you’ll need to do so.
Get multiple estimates from qualified roofing contractors before accepting any repairs. Make sure the contractor is licensed and insured.
Making Repairs
Once you have chosen a contractor, schedule the repairs and keep all of your receipts.
Document the Repairs
Take photos of the completed repairs for your records.
Tips for a Smooth Roof Insurance Claims Process
The process of filing a roof insurance claim is rarely simple. Here are some tips to help the process go more smoothly.
Keep a Paper Trail
Maintain copies of all communication with your insurance company, adjuster, and contractor.
Be Patient
The claims process can take time. Be patient and follow up with your insurance company if you have any questions. At the end of the day this major improvement to your home will. Time is your friend with a insurance claim as insurance does not like to keep open claims so they have incentives to close them out. Being prepared and hiring the right contractor can ensure a quick resolution but we have also seen times where the process can drag out for months.
Don't Sign Anything You Don't Understand
Before signing any paperwork from your insurance company, make sure you understand the terms and conditions.
Seek Professional Help
If you feel overwhelmed by the claims process, remember that you don’t have to do this alone. Professional roofing contractors are a valuable resource. They have dealt with countless roof insurance claims and know exactly how to proceed to get you the best settlement.
Filing a Roof Insurance Claim: FAQs
If you still have questions about filing a roof insurance claims, these answers might be of use.
What if my roof damage is minor? Should I still file a claim?
You’ll need to weigh the cost of repairs against your deductible. If the repairs are likely to exceed your deductible, filing a claim may be worthwhile. However, consider the potential impact on your premiums, as filing multiple claims within a short period may cause them to rise.
How long do I have to file a claim after discovering the damage?
Most policies have deadlines for reporting claims, often ranging from 10 to 60 days. Don't delay – report the damage promptly to avoid jeopardizing your claim.
What happens if my claim is denied?
If your claim is denied, you have the right to appeal the decision. Review the denial letter carefully, and gather any additional evidence that supports your claim. You may also consider seeking advice from a public adjuster or attorney. A roofing contractor in your area cna help you find and work with these resources.
What should I do if my insurance company asks for an estimate from a contractor?
It’s a good idea to obtain estimates from several qualified and licensed roofing contractors before submitting one to your insurance company. This will give you leverage to negotiate for a fair settlement.
Can I choose my own contractor to repair the damage?
Yes, you have the right to choose your own contractor. However, your insurance company may require the contractor to meet certain qualifications or be on their approved list.
What happens if the repair costs exceed the settlement offer?
If the repair costs are higher than the settlement offer, you will be responsible for the difference. However, you can try to negotiate a higher settlement with your insurance company based on the actual repair costs.
What documentation should I keep during the claims process?
Keep copies of all communication with your insurance company, adjuster, and contractor. This includes emails, phone logs, photos, videos, and signed documents.
How long should I keep my claim documentation?
It's advisable to keep your claim documentation for at least five years, or longer if required by your state's laws or your insurance policy.
Where can I find more information about roof insurance claims?
The following resources can provide you with valuable information about roof insurance claims:
- The National Association of Public Adjusters: https://www.napia.com/
- The Insurance Information Institute: https://www.iii.org/
- The Federal Emergency Management Agency (FEMA): https://www.fema.gov/
What if my homeowner's insurance is cancelled because of my roof condition?
This is a common concern for homeowners who are filing claims for their roofs. We have a guide to help you through the process if your homeowner's insurance is cancelled because of roof condition.
Filing a Roof Insurance Claim in Maryland with Capitol Improvements
Filing a roof insurance claim can be a stressful experience, but with proper preparation and knowledge, you can navigate the process successfully.
Remember, you are entitled to compensation for covered damage to your roof. By following these steps and advocating for yourself, you can ensure that your roof is repaired and your home is protected.
The best way to go through the roof insurance claim process is with the help of professional roof experts. If you’re in the Maryland area, Capitol Improvements can not only repair your roof when the time comes but help you through every step of the way in dealing with your insurance company.
Capitol Improvements is an award-winning residential and commercial roofing provider in the Washington D.C. area with more than 30 years of experience in roof repair. Best of all, we offer flexible financing to help you fix your roof right now, rather than later.