Need To File a Roofing Insurance Claim? This Is How It Works

July 22, 2021

At some point or another, just about everyone will need their roof repaired or replaced. Unfortunately, building your roof or even hiring a roofing company without insurance can be very expensive. If you don’t have the money, you won’t be able to afford the repairs. However, filing a roofing insurance claim may not be your favorite task, but it is something that everyone should know how to do. Just follow these steps to ensure that your claim is processed properly.

Find Out What Your Insurance Covers

The first thing you need to do is figure out whether your insurance covers the damage. If a storm has damaged the roof, then it’s likely that your homeowner’s insurance will cover at least some of the damage. Still, if it turns out that it was damaged due to neglect or improper installation, then there may be no coverage available. The only way to know for sure is to contact your agent and ask them point-blank what types of events they cover under their policy.

Asses  And Document Your Roof Damage

Make sure you document the damage in a way that will help your claim be approved. Keep a detailed log of everything that happened, including the date, time, names, and contact information of any contractors or authorities you speak with.

Take photos of the entire roof, including the fascia boards and other areas that are damaged but are not readily visible, and also take photos and videos of your attic spaces if it appears that they could be wet or moldy. If you have a contract with a particular roofer, please include a copy of it with your documentation.

Hire  A Local, Trustworthy  Roofing Company

Select a local roofing company, and ask them for an estimate of the damages. They should conduct a thorough inspection of the entire roof, including the attic spaces, and provide you with a detailed report of what is damaged and in need of repair or replacement. The estimator might also suggest things that need to be replaced just for general maintenance purposes, such as damaged or missing shingles, fascia boards, and gutters.

Call Your Insurance Agent

Once you have a repair estimate in hand, call your insurance agent and let them know what the damage is. Give them all the documentation you’ve gathered so far, and have them come to inspect the roof damage at their earliest convenience.

Have  Your Roof  Repaired or  Replaced

If your insurance company has determined enough damage to warrant a repair or replacement, you can hire a licensed contractor to do the repairs. However, if you decide to hire a private roofer or if your insurance company decides to do the repairs themselves, you will have to sign off on any work that gets done. Before you do that, make sure that the work is being done properly and to the standard of quality your home deserves.

Filing a roof claim can be a complicated and frustrating process. But that doesn’t mean you should avoid filing the claim. You can also visit to repair your roof damage and learn how to prevent future roof damage and save money.

Bourdeau Contracting LLC

2902 N St Peters Pkwy 

St. Charles MO 63303

(855) 570-4930

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