How to get homeowners insurance to pay for a roof replacement
If your home’s roof has been damaged by an accident or due to a storm, your homeowner’s insurance may cover the cost of a roof replacement. This is good news for homeowners, but you will need to know how to assess the roof damage, document it, and navigate the process of making a claim. Korrect Roofing has helped many homeowners in the Dallas-Fort Worth area through this process. Use this helpful guide on how to get homeowners insurance to pay for a roof replacement.
Review Your Homeowners Policy
Review your homeowners policy and see what type of roof coverage it offers. There are usually determining factors for policy coverage, such as the cause and extent of the damage. Your policy will detail what it provides in terms of either roof repairs or roof replacement.
Repair coverage typically reimburses you for a percentage of the costs to repair a damaged roof. Replacement coverage will pay for a new roof in the event of severe damage from an unexpected event such as a fallen tree or hail storm damage.
Document Your Roof Damage
Document the damage to your roof as quickly as possible after it happens. Take pictures of the exterior damage to your roof and any damage caused on the home’s interior as well.
If you are documenting the damage yourself, one of the safest ways to get a thorough picture of the exterior roof damage is with a drone. Using a drone, you can get very good close-up photos of the condition of the roof—from all angles—without risking your safety.
Alternatively, you can call a local, licensed roofing company to come do a roof inspection and assist with the documentation. This is a great idea because experienced professional roofers know what an insurance company wants to see when processing a claim and will be sure to include it in the inspection report.
Whichever method you use, submit your documentation to your insurance company within the timeframe for starting the claim process. It is helpful to include outside documentation supporting the date of the damage to back up your claim, such as local news articles.
Hire A Reputable Local Roofing Company
An experienced and trustworthy roofing company will be licensed and insured. They will have experience handling homeowners insurance claims. Read customer reviews online to see which roofing companies in your area have an excellent reputation for their quality of work and their pricing. If you live in the Dallas-Fort Worth area, you’ll want to make sure you find a company with proven experience with storm damage typical to the region, such as hail damage.
Helpful Tips To Avoid Insurance Scams
Insurance scammers try to take advantage of homeowners after a storm does significant damage to a neighborhood or region, but they are easy to spot. They are trained salespeople who go door-to-door with promises of a free roof if you sign a contract with them that very day.
Ask to see a business license, copy of their liability insurance, general contractors license or roofing certificates, and verify that they have a local business address. If these cannot be provided, do not make any commitments.
Stay In Contact With Your Insurance Agent
Finally, maintain regular contact with your insurance agent! They will assist you through the process of making your claim and receiving payment for the repairs on your replacement roof.
If you have had damage to your roof, contact Korrect Roofing for a free roof inspection today. We can help you with the process of documenting your roof damage and work with your insurance company to get your roof replaced quickly