Filing A Property Claim For A New Roof

Roof claims can be complicated and involve a lot of back and forth between insurance adjusters and your roofing contractor.

Filing a property claim for a new roof.

If you determine that you do have enough damage to substantiate an insurance claim this is time to reach out to your insurer. You not only have to worry about standard property damage but you also run the risk of being forced to file a roof replacement insurance claim. Filing a homeowners insurance claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. The dwelling coverage in a homeowners insurance policy typically helps protect your home s structure including the roof from certain perils or causes of damage.

Commonly covered perils include fire wind and hail damage so if your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm you may find that your dwelling coverage helps cover the cost. Concord roofing construction has the years of. They want you to get the highest possible payout that you deserve. At this time you will be assigned an insurance adjuster who will be charged with inspecting your roof and any other damage your property has sustained.

When there is a high volume of claims the earlier you file the paperwork the sooner you will get your claim processed. Most states require a homeowner to make a claim within 30 60 days. A good roofing contractor should be able to offer advice for filing and can help you gather the proper documentation for your claim. In more than 90 percent of hail or high wind claims there is a payout relative to the roof cover according to the insurance institute for business and home safety.

Standard home owner claims rarely require the extra expense of using a public adjuster. Dealing with a hailstorm or other weather related calamity is upsetting. Remember that the roof replacement filing process can sometimes be complex. The average homeowner only makes one claim per decade so being unfamiliar with the process is normal.

When you acquire a new property or make significant renovations. The right roof replacement company will be experienced certified and familiar with insurance claim procedures. On the other hand your public adjuster is your own advocate and is on your side. File a claim with your homeowner s insurance within 30 days.

Michael barry an iii spokesman recommends contacting your agent or insurer to ensure you know the time limit for any claims. So with such an important decision on the line it can be tempting to let a public adjuster file a claim on your behalf. Filing an insurance roof replacement claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. Most standard policies require filing a claim within one year of determining that a hail storm damaged your roof or other parts of the house.

To a home insurance company the roof is the most important part of your house. That said if you ve experienced extensive damage to your property s roofing system.