Each year, approximately 1 in 20 homeowners submits a home insurance claim to assist with repairs to their property. While these claims address a variety of damage types, one of the most prevalent concerns for homeowners is roof damage.
Your roof protects your home from the elements, making timely repairs essential. If you’ve never navigated the process of filing a roofing insurance claim, it’s completely natural to feel a bit daunted.
While the process can be time-consuming, filing an insurance claim is not overly complicated. Here’s a straightforward step by step guide to help you file your claim and secure the funds you need without unnecessary delays.
1. Inspect Your Roof (Safely)
Before you begin filing your claim or searching for roofing contractors to address the damage, the first step is to inspect your roof. There’s no need to climb a ladder; simply walk around the exterior of your home to assess the situation.
Examine your roof for indicators of damage such as missing shingles, exposed areas along the roofline, or sections where shingles aren’t aligned properly. Additionally, inspect the ground for any fallen roofing materials or nails and gather them to present to your roofer.
Once you’ve assessed the exterior, turn your attention indoors. Look for signs of water intrusion, stains, or visible leaks. Capture photographs of all damage you encounter, as these will be crucial for expediting your insurance claim. Whenever possible, ensure your images depict the full extent of the damage.
2. Review Your Insurance Policy
Before filing an insurance claim, it is essential to familiarize yourself with the types of damage that are covered under the roofing insurance section of your homeowners’ policy.
Retrieve your insurance policy details and carefully review them. If you do not have a copy of your coverage, reach out to your insurance agent and request a copy. If your policy encompasses various types of damage, filing a claim should be relatively straightforward.
Conversely, if your coverage is limited, the claims process might prove more challenging. The most effective step you can take is to consult with us.
We Work With Your Insurance Company For You
Our assistance ensures you won’t end up with a settlement that falls short of covering your expenses, or even worse, faces denial. We facilitate communication with your insurance company and can accompany you during meetings with your insurance adjuster if needed.
Additionally, we’ll review your coverage and clarify which types of damage are included in your policy. If your policy entails specific out-of-pocket costs, we can provide an estimate of what you can expect to pay.
Residential and Commercial Insurance Claims
As a prominent and highly credentialed roofing contractor serving the Mid-South region, our dedicated team is extensively trained to uphold the highest standards in the roofing industry.
3. File a Claim With Your Insurance Provider
Once you’ve confirmed that your insurance policy covers roof repairs and replacements, it’s time to initiate the claims process. Reach out to your insurance agent and provide them with a detailed account of the incident. We can assist you in coordinating with your insurance company by sending copies of the damage photos to support your claim.
Our team will guide you through each step of the process, helping you gather the necessary information to ensure your insurance provider processes your claim efficiently. Keep in mind that each insurance company may have different procedures. If you’ve submitted a claim in the past, the required steps and documentation may differ this time around.
4. Schedule an Inspection with a Roofer
After submitting your claim, the next step is to arrange an inspection with a qualified and certified roofing contractor. They will assess your home and provide you with a detailed overview of the necessary repairs.
Request a written estimate of these repairs to gauge your expected expenses. If you’re exploring options with various roofing companies, take the time to compare each estimate to discover the best fit for your budget.
Keep in mind that the inspection is only the initial phase of the process; it’s advisable to wait until your insurance company has reviewed and processed your claim before scheduling any repair appointments.
5. We’ll Meet With Your Insurance Adjuster Onsite
Prior to issuing a check for the damage, your insurance provider will dispatch an adjuster to inspect your home. This adjuster represents the insurance company and is tasked with finding areas to reduce costs.
If you choose River City Pros, we can accompany you during the adjuster’s visit, should you request it. Be prepared for the possibility that the adjuster may offer a lower estimate for the total repair costs and may propose issuing a check based on that reduced amount.
and Before accepting their offer, verify that the adjuster’s estimated repair costs align with the quotes provided by your roofing contractors. If their assessment is significantly lower, present them with the estimate from your roofing company.
Often, insurance companies will pay more if you can prove that the damage is worse than the adjuster suggests. Just be willing to fight for what you need. The last thing you should do is pay more out-of-pocket than necessary. Learn more about how you can also petition for a larger settlement.
6. Schedule the Repairs or Replacement
Once your claim has been processed and you’ve accepted the settlement, it’s time to schedule the repairs. Contact your roofing contractors and arrange for the repairs to be completed swiftly. The quicker your roof is repaired, the safer your home will be.
Additionally, addressing the repairs promptly can significantly lower the risk of needing to file another home insurance claim down the line.
7. Filing a Roofing Insurance Claim Is Important
As a homeowner, maintaining your property extends beyond simple tidying up. It’s essential to address repairs promptly.
Homeowners’ insurance and roofing insurance are designed to assist you in managing substantial repairs without stressing your finances. By following these steps to file your claim, you can restore your home to its former glory swiftly.
We’re Your Insurance Claims Specialists
River City Pros specializes in accident and weather-related damage repair and replacement; including exterior roofing, gutters, siding, windows, interior painting, sheetrock, ceiling texture, flooring, and carpet cleaning.
Whether you need help navigating your claim or need repairs after filing a homeowners’ insurance claim, don’t hesitate to reach out. Schedule an inspection with River City Pros in Memphis and let us help you keep your roof in great shape for years to come.
You May Qualify To Only Pay Your Deductible
At River City Pros, you might qualify to pay only your insurance deductible, with zero additional out-of-pocket costs. We accept the payment your insurance company provides for the claim, including the deductible, while guaranteeing exceptional quality in repair or replacement services.
Do You Have More Roofing Insurance Questions?
Visit our Insurance Claims Assistance page to discover how River City Pros can collaborate with your insurance company on your behalf.