One of the first questions homeowners have after a natural disaster is how to handle a roofing insurance claim. Roof damage is frequently caused by hurricanes, tornadoes, hail, and rainstorms. When it comes to roof repairs, insurance can help you save money.
If you’re wondering how to deal with an Insurance Claims Service in Denver, here’s what to know:
- Start by Having Your Roof Inspected
During any storm, some homes will be unscathed. Even if you don’t notice roof leaks or other obvious problems, it’s best to have a professional assess the situation. A complete inspection should be performed by a roofer who is licensed, insured, and bonded to work in your area.
- Review Written Damage Assessment
When it comes to successfully dealing with a roofing insurance claim, documentation is crucial. A trusted Roofing & Restoration Services in Loveland, Colorado should provide the information you need in writing. This information includes the nature of the damage, the estimated repair cost, and a projected project timeline.
- Speak to an Insurance Adjuster
Even if you have a written estimate for your work, an insurance adjuster must inspect the damages personally. He or she will inspect the roof as well as any estimate’s details. Because each insurance company has its own procedures, you’ll have to ask your adjuster some questions.
- Verify Claim Approval
After a major storm, claim approval is usually expedited, but it can still take some time. In most cases, you’ll receive written approval and a check for about half of the estimated repair cost. If you have a mortgage, the roofing contractor must be approved by your lender.
- Have Repairs Done
According to the insurance company’s rules, your roofer will have a certain amount of time to complete repairs. The roofer will submit an invoice to the insurer once the job is completed, detailing the final cost. Following that, the insurer will issue a check to cover the remaining roofing costs.
Completing a roofing insurance claim may appear to be a difficult task. It is, however, much easier if you hire a reputable local roofer. Experienced roofers can assist you in obtaining the funds you require from your insurance policy in a timely manner.
To find out more, contact us today at (970) 227-3651 or fill out the contact us form to get a free estimate.