Roofs take a beating! Whether it’s wind, tree strikes, rain or hail – your roof is nearly always being assaulted by the forces of nature. Unlike other areas of your home, roof damage can be difficult to spot and often goes unnoticed until there’s a problem.
Insurance companies will often try to deny roof claims, or offer low-ball settlements to avoid paying the full value of the damage. Following these 4 tips will help you file a successful roof damage claim and put you in a position to receive full value for the damage:
Get a Roof Inspection
If you suspect your roof has sustained damage from a recent storm, it’s a good idea to have your roof inspected. Contact a roofing contractor that offers free roof inspections, and ask them to come take a look. Ask them to document any damage they discover, and provide you with an estimate for a full roof replacement.
Contact Your Insurance Company
If damage is discovered during the roof inspection, contact your provider and begin the claims process. Make sure to carefully document all the damage and provide photos and proof as needed, including the date of the storm.
Beware of Non-Visible Damage
In most cases, the insurance company’s adjuster will only appraise the damage that is easily visible, and will not dig below the surface to look for damage that may be out of sight. Make sure you take the time to go back and document any damage beyond that which is just superficial. Remember, you can’t get compensated for damage that you do not report to the insurance company. Hiring an experienced public adjuster to assist you with the claim will ensure that all resulting damage is reported accurately.
Avoid Technicalities & Loopholes
Using incorrect terminology, not recording the specific date of the storm are just a few of the ways that insurance companies try to get out of paying claims. Simply using a term like “flooding” incorrectly when reporting your claim to the insurance company could be enough to result in denial of the claim. This is why it’s so helpful to have a public adjuster in your corner to guide you through the claims process.
Have questions about your property insurance claim? Feel free to contact Stark Loss for more information about how a Public Adjuster can help.