When your roof suffers major damage, filing an insurance claim may be an essential step for allowing you to receive compensation for the repair costs that will be required. Not surprisingly, a new homeowner may not know the steps and processes that are involved with the roof repair process.
Filing A Roof Damage Claim Can Be A Surprisingly Involved Process
Due to the high costs that can be involved with repairing or even replacing a roof, insurance companies will often have a somewhat involved process that will need to be followed in order to cover this damage. One of the first steps in this process will be determining whether the cause of the roof damage is an issue that will be covered under the terms of the policy. For this reason, the homeowner should take a few minutes to review their insurance policy and call their agent to verify whether the source of the damage is covered by the particular policy that they have purchased for their property.
Specialists Are Needed To Review And Verify The Damage That Has Occurred
If the cause of the roofing damage is covered by the policy, an initial inspection will be required to determine the extent of the damage and the estimated costs for completing these repairs. In some instances, the insurance company may accept the quote and assessment from the roofing contractor, but it is also common for these carriers to require the roofing damage to be inspected and verified by a claims adjuster. These professionals will have a detailed knowledge of roof repair costs and damage assessments, which can help them with preparing an initial estimate for the costs involved with the claim. In some cases, there may be issues that are missed during this process, but a contractor will be able to submit a supplemental assessment to the insurance if these matters are discovered.
A Roof Certification Can Be Critical For Verifying That The Necessary Repairs Have Been Completed
At the end of the repair process, the insurance will need to verify that the repairs to the roof have been properly completed. This will involve a residential roof certification evaluation. These assessments will verify that the roof is structurally sound and restored to its original condition. In most cases, this is a formality that protects the insurance company from future claims, but there can be times when mistakes by the contractor can be discovered during this assessment.
