Storms can damage your home’s roofing very badly. The cost of repairing a storm-damaged roof can very well go up to the hundreds or thousands, depending on the damage sustained. Thankfully, you can file a claim if your house is insured. Insurance claims will really help you get your life back to normal after such an incident.
Filing an insurance claim has to be done correctly, however, lest the insurance company rejects the claim. To help you get the most of your coverage, ExteriorPros share some things you need to know and do before filing a claim.
Talk to a Trustworthy Roofer First
After a storm, make it a point to contact your roofer first before you go to the insurance company. Reliable storm damage repair companies will give you proper estimates regarding what you’ll need to have your roofing fixed. Don’t talk to your insurance company without asking details about repair costs from your roofer.
Know Your Warranty and Your Insurance Claim
Review your policy before calling your insurance company. Some homeowners make the mistake of failing to review their policy only to realize that they’re already out of warranty on the day the storm damages their home. Make sure to check if you’re still covered. Otherwise, it’s a waste of time to beg.
Aside from ensuring you’re still covered, make sure to study your insurance claim. Insurance companies will do their best to make you agree to be given the smallest amount possible; don’t just agree with them. Know what your policy covers and ask your roofer to help you negotiate with the insurance company for the right amount.
Prepare Adequate Proof
Don’t go talking to your insurance adjuster without adequate proof. Take photos of the damage and bring along some photos of the home before it was damaged. These photos (or videos, if you have) will serve as proof that the storm indeed caused damage to your home.
Talk to Your Insurance Company Before Starting Repairs
After talking with reliable siding, roof and gutter companies about your repair needs, make sure to talk to your insurance company before commencing repairs. Doing so helps you know what repairs will be reimbursed and what won’t be covered. That way, you know how much you need to spend out of your own pocket.
Lastly, don’t focus on the amount of money needed for repairs, lest you end up choosing the cheapest contractor with the cheapest materials. This often results in work that doesn’t last very long. Find a reliable contractor that offers the best service at a reasonable price.
If you’re looking for a reliable contractor that can help you restore your storm-damaged home, look no further than Exterior Pros, the most trusted roofers and gutter installers in Southern Maryland. Give us a call at (301) 632-5111 or fill out our contact form for a free, no-hassle and no-obligation estimate.