The bad news? Your roof was recently damaged.
The good news? Whether it’s a fallen limb, hail, or severe winds, roof repairs are typically covered by your insurance carrier.
The process can move forward efficiently, or can be drawn out and confusing, depending on the actions you take. Always start by reviewing the instructions for filing an insurance claim provided by the carrier.
Insurance Claims Process For a Damaged Roof
While some details may vary slightly, the following is a general overview of how the insurance process will affect your damaged roof. By following the steps listed below, you’re more likely to enjoy a stress-free repair process and a high-quality roof repair.
- Contact a licensed roofing contractor. Insurance carriers insist that home repairs be performed by a licensed contractor. Make sure the roofing contractor you hire is licensed, insured and bonded. It’s also a good idea to check references. Unless you have a history with a preferred roofing contractor, consider meeting with two or three and select the one you feel will best assist you through the process.
- Contact the insurance carrier. Once the damage is assessed by a contractor, it’s time to contact the insurance carrier. They will assign a single point of contact, called a claims adjuster, who will process the claim from star-to-finish.
- Schedule a meeting. The next step is to schedule a meeting between the claims adjuster and the roofing contractor. They need to meet in order to assess the damage. This is an important step because by working together, the adjuster and the contractor will be on the same page, and items completed on the claims form are more likely to be in your favor, resulting in the highest-quality roof repair.
- Review and submit paperwork in a timely fashion. Within a week or so, you should receive a packet of forms from the adjuster, outlining the scope of the damage and the stated repair price. Review these with your roofing contractor and return them in a timely fashion to keep the project moving forward.
- Sign the contract. Now you can sign the official repair contract with your roofing contractor and the job will commence. Payments are typically issued in phases to ensure the carrier doesn’t pay for unfinished work.
Contact Quality Roofing to work with a reputable Austin-area roofing contractor who knows the ropes and will help you navigate a stress-free insurance claims process.