Understanding how to file an insurance claim after your roof has been damaged will ensure that your roof is repaired quickly.
The roof on your home is very important. A home with a defective roof loses a good portion of its value. For this reason, major roof repairs should be included as a part of your homeowner’s insurance policy. Still, it is not always easy to collect on that. Roofing experts can help you with the claims process in order to make sure that the job is completed, often times with no out-of-pocket expense to you.
What is Covered by Your Homeowner’s Insurance Policy?
While normal wear and tear to your home’s tile roof is not typically covered by an insurance policy, unexpected damage to it generally is. This includes breaks due to falling branches during a storm, damage from hail, or wind damage. Basically, any event that is completely out of your control that causes your roof to no longer provide full protection to your home from the elements could be processed as a claim. Exactly what damages are covered will depend on your individual policy and the limits.
Do Homeowner’s Insurance Premiums Rise After Filing a Roof Claim?
Homeowner’s insurance does not work in the same way that your car insurance does. Premiums may vary depending on your location and the value of your home, but usually will not rise if you file a claim for reimbursement.
The Process for Filing a Claim for a New Tile Roof With Your Insurance Company
In the event that something unforeseen has caused damage to your tile roof, the first call you should make is to the insurance company to verify the process for filing a claim. Some may work with specific contractors in your area, limiting your choice in roofing companies, while others will ask that you get a number of estimates for the cost of repairing the damage.
It is important to choose the company you feel most comfortable with, rather than the one giving you the cheapest rates. Oftentimes, a roofing contractor will deliberately leave out known costs to win the job, only to add them to the cost afterwards. By that point you have already made the deal with the insurance company, those costs will very likely end up coming out of your pocket. A respected company will give an accurate estimate, and have the ability to back the costs when discussing them with the insurance adjuster.
Make sure that a representative from the roofing company is on hand when the insurance adjustor makes it out to your home. This way they can make sure that the adjustor is making notes of all the damage, so that the correct price is represented in your claim.
St. Louis Roofing Repair
Having a roofing expert on hand during the insurance inspection is one of the best things you can do to ensure that the amount of your claim is accurate in relation to the cost. By choosing a reliable company with years of experience in dealing with the claims process and insurance adjusters, you will be guaranteeing a small – if any out-out-of-pocket expense to replace or repair your damaged tile roof.
If your roof has been damaged, our St. Louis roofing experts would be happy to help!