Even a minor storm can cause unexpected roof damage that will require extensive repairs. Unfortunately, the procedure for filing a claim with your insurance company to cover those costs can be time-consuming and frustrating. By following these tips, you'll be better prepared for this process, when the next storm causes damage to your roof.

1. Choose an Experienced Contractor

As soon as you begin the claim process, you should already be looking for a qualified and experienced contractor. A professional, such as Garcia, will know how to make repairs that will last over the long term. Roofing contractors who specialize in roof replacements may not be experienced in making less extensive repairs. This means the patchwork they do may only last as long as the next storm.

2. Document the Damage

Your insurance company will likely ask for maintenance records and building permits to ensure you work with qualified and licensed contractors. Additionally, you should ask your roofing contractor to take pictures of the damage to your roof. This will help you support your claim with physical evidence.

3. Reread Your Insurance Policy

Many homeowners don't take the time to review their homeowner's policy before they submit a claim. This often results in missed opportunities for full compensation. If your insurer believes you're unaware of your full coverage options, they may try to pay you less than you deserve. You should already know the coverage you have before you file your claim.

4. File Your Claim Promptly

If you wait too long to file a claim, your insurer may use a delay as reason enough for denying the claim. Most insurance companies limit the amount of time their customers have to file a claim for damages. Once you miss that brief window, you may have to pay for repairs out of your pocket.

5. Ask Your Roofer to Participate in Assessing the Roof Damage

Once you file your claim, the insurance company will send out an adjuster to assess the damage. It’s in a homeowner’s best interest to have their roofer present for that adjustment. Get our roofing experts the opportunity to point out things the adjuster may have otherwise missed.

Give us a call today to learn more about insurance claims!