If you find yourself in the position of having damage to your roof, your very first instinct might be to file a claim with your insurance company. Nevertheless, you should not do so immediately. Filing a claim might have an impact on your policy, so you should be very certain before you continue.
Begin by reviewing your policy to understand what is covered and what your obligation is. Then have the roof examined by an experienced professional. If the estimated repairs aren’t going to cost much more than your deductible, it is most likely best to pay out-of-pocket.
Even talking to the insurance company could lead to a report to the Comprehensive Loss Underwriting Exchange, which keeps an “insurance score” for homeowners. This score influences your capacity to be accepted for brand-new coverage with the same or different insurance provider.
This is an additional reason not to call the insurance company till you ensure you want to make a claim.
If you do choose to file a claim, you should have your roofing contractors present when the insurance adjuster examines your house. The roofing company can easily assist to ensure that you get the complete settlement to which you are entitled. The insurance company will naturally try to get away with paying as little as possible.
It is important to comprehend your homeowner’s insurance coverage policy and what is and is not covered, along with what your deductibles are. If you have a roofing disaster, consider thoroughly evaluating everything prior to making a claim. To play it safe it is best to have an experienced professional at Prosperity Public Adjuster handle everything for you.
How to Check for Roof Damage:
One of the most common claims for homeowners’ insurance is for roof damage. Depending on where you live, damage to your roof can happen from a storm, hurricane or heavy rain. As a roof gets older, it is more likely to sustain damage, which could lead to other structural damage. Here are some tips to help you check for damage to your roof.
While it’s a good idea to have a professional inspect your roof, you can do an initial inspection on your own if you feel comfortable getting on a ladder and onto your roof. Make sure you plan enough time to look over the entire roof.
What to Look For:
The first thing you should notice is the actual roof itself. Look at the shingles to see if any are broken or missing. Look for those that are curling, buckled or don’t seem to be secure. Notice the gutters to see if any pieces of shingle have slid off into them. You’ll also want to look around vents and flashing for cracks or rusted areas. Pay attention to how secure the vents are. If they move, it’s a sign they may have missing screws and are allowing in water to the attic.
If you see moss on your roof, it’s a sign that the roof is decaying. Rust and worn shingles are two other signs to look for, which indicate an aging roof. While age isn’t a covered issue for most roof claims, it does warn you of the need for replacement before further damage occurs.
Look Inside Your House:
You also want to check for roof leaks from inside your home. Notice water stains on the ceiling or wet or moldy insulation in the attic. If the paint is cracked or bubbly or wallpaper peels, it’s a sign of moisture getting in from the roof.
Mold is often a serious indicator of older damage. It needs to be dealt with right away, and it may require a professional for removal.
The Cost of Repairs
Minor damage to a roof is often inexpensive.
If your roof is still under warranty, you won’t be able to make the repairs yourself or you’ll void the warranty. Most insurance companies won’t cover DIY repairs either. If you must file a claim, you will only be responsible for the deductible and the insurance will pay for the rest of the expense.
At Prosperity Public Adjusters we can take the guesswork out of filing a claim with your insurance provider so that you can get the compensation your rightfully deserve.
Contact us today for a consultation.