Roofers: They're Number One

Top 3 Mistakes To Avoid With A Roofing Insurance Claim

When a major storm rolls through and damages your roof, a homeowners insurance policy may help to pay for repairs or replacement. In fact, according to risk assessment studies, roofing insurance claims saw a 25% increase between 2019 and 2020. Unfortunately, when homeowners don't take the proper measures before filing a roofing claim, they could end up facing a denial.

So, what are some of the most common mistakes made with roof insurance claims—and how can you avoid them as a homeowner?

1. Not Knowing Your Policy

Perhaps the most common mistake made by homeowners when filing a roof insurance claim is simply not knowing their coverage or understanding their policies. Not all home insurance is created equal, after all. While most policies will include some form of roofing coverage, the exact amount and stipulations can vary. 

Before filing a claim, then, make sure you understand exactly what's covered when it comes to your roof. For example, does coverage phase out if your roof is more than a number of years old? Likewise, what kinds of roofing materials are covered as part of a roof replacement? You'll also want to know what to expect when it comes to your deductible and how much you'll pay out of your own pocket.

2. Waiting Too Long

Another common mistake homeowners make when it comes to roof insurance claims is waiting too long to report the damage. If there is a storm in your area and you suspect you may have roof damage, contact your insurance company right away. From there, schedule a roofing inspection with a reputable company to verify any suspected damage. This will help you get the ball rolling with your claim. Plus, having documented proof of damage immediately following the storm will increase your chances of getting your claim approved.

3. Failing to Provide Documentation

Speaking of documentation, don't be surprised if your insurance company asks for further proof before approving your claim. This may include before and after photos of your roof, as well as documentation of previous repairs and/or maintenance. Generally, you'll need to prove that your roof was in good repair before the storm. Otherwise, you may not be eligible for coverage.

By avoiding these common insurance claim mistakes, you can improve your chances of having your roofing claim approved. If you're still feeling uncertain, you can always consult with a roof insurance claim specialist to walk you through the process. 

About Me

Roofers: They're Number One

Who is number one on your list? We have to say that roofers are number one on our list. Would you expect anything else from people who write a blog about roofers? Probably not, but allow us to explain a bit more. While we have appreciation for a lot of different professions, we have really come to appreciate the balance of skills that roofers must hold. They need to know how to work with their hands. At the same time, they also need a lot of technical knowledge, and they need to be able to make some pretty involved mathematical calculations, too. Thank you, roofers.