When it comes to filing a homeowner's insurance claim for any reason, it can be quite stressful and overwhelming. Making mistakes during the claim process can make it even more stressful, resulting in delays, claim denials, or even receiving less compensation from your insurance agency than you may need/deserve. Today, Timberman Roofing will be providing tips on how to ensure a smooth experience when it comes to filing a homeowner's insurance claim for your roof. Have additional questions? Interested in a free roof inspection and estimate? For any of your roofing needs simply reach out, we are always happy to help!
Taking Too Long To File Your Claim
A very common mistake that we see when it comes to people filing a claim with their homeowner's insurance in regards to their roof is waiting too long. Most insurance policies require that claims be made within specific time frames following any damage that has occurred. When people delay filing a claim it can often result in the insurance company denying the claim altogether. Oftentimes when you wait longer following damage it can make things worse and make it harder to prove that it was caused by a specific event and not just neglect or general wear and tear.
Not Hiring A Roofing Professional For An Inspection
Many homeowners attempt to file claims with their homeowner's insurance following a self-inspection of any damage, this however may not be taken as seriously as a professional assessment by a roofing company in your area. A professional roofing company will also be able to spot damage that you may not notice. We recommend always hiring a company to provide an inspection and estimate. At Timberman Roofing, we offer free inspections/quotes and would be happy to swing by to provide one.
Making Repairs Before The Insurance Adjuster Visit
It can be somewhat confusing when it comes to damages you'd like covered by an insurance claim, we often hear that mitigating damage is the best course of action. Mitigating damage does not mean making repairs in most cases, it means doing things like tarping to reduce further damage from occurring. If minor repairs such as sealing a leak need to be done, make sure to heavily document said minor repair (including keeping receipts).
Properly Document Your Damage
Properly documenting any damage to your roof that you'd like your homeowner's insurance to cover can be very important. We recommend taking high-quality photos and videos of the damage immediately, be sure to take up-close shots as well.
Periodically taking “before” photos of your roof and home can be important as well. These kinds of photos can help demonstrate the difference in your roof before and after the damage occurred. Before any major storm or hurricane, We recommend always taking photos around your home including the roof, this can ensure better payouts from your insurance company.
Communicate Clearly With Your Homeowner’s Insurance Agency
As we mentioned before it can be quite overwhelming and stressful to deal with an insurance claim, especially going back and forth with your insurance company. Unfortunately, improper communication can often lead to a slowdown in the claims process along with misunderstandings or disputes. Be sure to provide all requested information and frequently follow up during the process, taking detailed notes of any phone calls in keeping emails for future reference can also be helpful.
Contact Our Florida Panhandle Roofing Company Today
Has your roof been recently damaged? Interested in a free professional roofing inspection? Reach out to Timberman Roofing today to schedule your complimentary inspection and receive a free quote for any repairs that may be needed. We’re always happy to work with your homeowner’s insurance and help our community.
