Everything a Homeowner Needs to Know About Filling a Roofing Insurance Claim

When your home is damaged, it’s important to take the right steps to ensure that the damage is repaired properly and as quickly as possible. 

And filing a roofing insurance claim is one of the most important steps homeowners can take when their home is damaged. But many homeowners don’t know exactly what to do, how to start the process, or what it entails. 

That’s why we’ve put together this guide on everything a homeowner needs to know about filing a roofing insurance claim. We’ll discuss the types of damage that are covered by insurance, when homeowners should call in an experienced contractor, and more. 

So read on and let us help your roofing insurance claim process go over as smoothly as possible!


What Is an Insurance Claim and When Should You File One?

An insurance claim is a request for benefits that may be payable under an insurance policy. A homeowner’s insurance policy may cover damages to your roof caused by wind, hail, or other elements. But filing a roofing insurance claim is a bit different than filing a regular insurance claim for some other type of damage. 

When filing a roofing insurance claim, it’s important to follow specific guidelines and protocols in order for your claim to be successful, and you also want to be sure the right documentation is included with your claim. A professional roofing contractor, such as The Roof Mentors, can provide expert help with this part, as well as with all other steps in the process, ensuring it all goes successfully.

In addition to that, filing your claim as quickly as possible can help ensure that the damage is repaired properly and on time so that it doesn’t cause further damages and more costly issues.


Types of Damages That Are Covered by Insurance 

There are many types of damage that are covered by insurance, and the most common ones include wind damage, hail damage, and water damage.

Wind damage is usually caused by high-speed winds, which can result in a storm or tornado-related damage. High-speed wind can cause serious damage to homes, such as shingles being ripped off roofs and even structural damage. 

Hail damage is usually the result of a severe hail storm and too much rain. The hailstones can be anywhere from pea-sized or marble-sized to golf ball-sized, and, of course, the larger they are, the more damaging they will be.

Water damage usually occurs after a flood but it can also be the result of a severe storm. Storms like hurricanes, for example, bring high-speed winds that can cause roof shingles to get ripped off, resulting in big leaks and subsequent water damage.


Filing the Claim: Main Steps to Take

When you find that your home has been damaged in a storm, the first step you should take is to contact your trusted local roofing contractor for an inspection. They will conduct a thorough assessment of the damages, document everything, and advise you on the next best step.

And that step is usually contacting your insurance provider and explaining to them what has happened. They will then schedule an appointment with an insurance adjuster, and you will need to gather and provide some specific documents to them. 

The documents that are needed may vary depending on the insurance company but some of the most common documents include a proof-of-loss form, proof-of-damage form, and a contractor estimate.  

Your roofer can help you gather and fill out all this documentation, and it is also advisable to have your roofer with you during the adjuster appointment to make sure everything is done professionally.

Once everything is done, you will, ideally, get an offer from your insurance company for the financial coverage of your roof repair or replacement, whichever is needed.  


The Roof Mentors Are at Your Service

Filing a roofing insurance claim can be a daunting task. But with the right information and the right Hope Mills roofing contractor by your side, it can be easy to navigate the process. The Roof Mentors can even take the entire process off of your hands, relieving you of all the unnecessary stress and ensuring that your claim is approved quickly and successfully. So, don’t hesitate to reach out to us anytime!

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