It can be really problematic for any homeowner to repair or replace the roof. While dealing with the roof damages, it also gets really hectic to get reimbursements from the insurance company. The major problem is due to the unawareness of homeowners who don’t know how to file an insurance claim and what does it require.
If you follow the steps mentioned below, you may end up saving yourself from a lot of troubles and expenses.
- Be Clear About What Your Policy Covers
You must contact your insurance provider to be clear about what is covered and what not under the policy. For instance, if the policy includes the age factor of your roof, you can file an insurance claim if your roof starts wearing down before reaching its age limit. On the contrary, if the damages occur after the expiry of your roof, you would not get any kind of reimbursements for your old damaged roof.
So, you need to be sure whether your policy covers the depreciation value or full repairing and replacing costs. The more you are aware of the policy, the better it would be for you to manage the situation accordingly. After you file an insurance claim, the insurance company would send an investigator to assess the condition of your roof to verify if your claim is valid or not.
- Provide Necessary Documentation
If you want to ease the process of an insurance claim for you and your company, you need to stay alert and keep “before” photos of your roof and exterior property of your home with you. Whenever you make your roof go through any repair and maintenance, you need to remember taking the photos again for the update.
In such a situation, when any sort of roof damage occurs, you can simply take “after” photos as evidence to estimate the damage. Moreover, you must also keep all the invoices and bills saved to show it to your insurance company. Once you offer all necessary documentation and evidence to the company, there won’t be left any room for conflicts and inconveniences.
- Choose a Roofer with Insurance Expertise
The right choice of a roofer plays a vital role in carrying out the insurance process smoothly and easily. The services offered by professional and expert Ann Arbor roofing contractors can really help in making insurance claims valid. Before you get your roof repaired or replaced, you can ask your chosen contractor for the written estimates to navigate your way through the insurance process.
Some roofing companies may even provide with public adjusters who are highly qualified and experienced to perform the job. However, any reliable or renowned roofing contractor can also do justice by using his expertise and skills to help you get your expenses covered by the insurance company. The most important thing is to not wait at all and get your roof inspected by the roofer instantly to prevent any further damages which might not get covered under the policy.