There is no doubt that your roof is a valuable part of the house. When any damage to it is left unattended, it might lead to damage to other parts of the house and will leave your belongings with no protection from the elements. However, when unforeseen damage due to bad weather or other reasons occurs, it can be very expensive to pay for the repairs yourself. This is why a lot of homeowners have a roof repair insurance policy. However, having such a policy is not a guarantee that the insurance company will honor it, so here are 4 things to do to ensure the claim is accepted.
For a claim to be accepted fast, it must adhere to the terms and conditions set out in the policy. For example, some insurance companies will not cover roofs that are over 10 years old or where the cause of damage has not been specified. By ensuring your claim adheres to the terms and conditions in the policy, you give the insurance company little leeway to refuse a claim.
Many insurance companies require that you have the home inspected and all damage noted down immediately after the event has occurred or passed. While some damage may be obvious from the ground, such as loose or damaged shingles, you might need a professional assessor to get on the roof and look for significant damage that might not be obvious. Hiring a licensed roof contractor or inspector to assess the damage will increase the chances of your roof repair insurance claim being accepted.
If you do not act fast enough after your roof has been damaged, some insurance providers might refuse your claim because they may say that the damage you are documenting is a result of common tear and wear. It is important to start the documentation process as soon as damage has occurred. This includes taking pictures and documenting the damage.
Once you have done all this, you need to get in touch with your insurance provider as soon as possible. You will need to tell the extent of the damage as well as submit all the evidence you have that the damage is recent and is covered by your insurance policy.
When shopping for a roof repair insurance policy, it is important to do some research on the companies that you may be looking to get insurance from. What you are looking for here is their record with claim approvals. The best place to start is websites where people leave insurance company reviews. Look for providers who get high praise for accepting and honoring claims, especially roof repair claims.
When your roof gets damaged, it is easy to panic. However, if you have roof repair insurance, there is nothing to be worried about. All you need to do is check your policy, document the damage, and get in touch with the insurance provider so they can help you get the roof repaired or replaced.