Roof damage can come in many different sizes and shapes. Extreme cases include a tree that falls on your roof or sections of shingles being missing.
Then there are the less obvious cases like hail. No matter the type of damage to your roof, it can be difficult to know where to begin.
We’ll start with the first thing that you should do if you suspect storm damage to your roof. Then, we will discuss the five main things that homeowners should know about filing an insurance claim for a damaged roof.
What should you do when your roof is damaged by a storm?
If you suspect or see roof damage, the first thing you need to do is contact your homeowners’ insurance company. The next step depends on the insurance company and the area you live in.
After speaking to your insurer, you will fall into two categories.
1. Your insurance company will send out a roof inspector to inspect for storm damage
First, the insurance company will send out an adjuster to inspect the damage. After they have completed their inspection, the adjuster will either approve your claim or inform you that there is no evidence of storm damage on your roof.
Once your insurance claim has been approved, it is time to begin looking for a roofing contractor who has experience with claims. If your claim is denied, you don’t have to give up.
You can double- or triple-check your roof to see if there are storm damages. We’ll talk about that in a bit.
2. Local roofing contractors will inspect your roof to check for storm damage
Second, an insurance company may tell you to call a local roofer in Myrtle Beach to check your roof for damage caused by storms. The contractor will take photos of any damage suspected and send them to your insurance company.
The insurance company will send an adjuster out to inspect the photos if they show storm damage. You won’t be able to know until you contact your homeowner’s insurer. If you suspect that your roof has been damaged by a storm, you should call your insurance provider immediately.
Storm Damage and Insurance Claims: What You Need To Know
You begin the claim process after contacting your homeowners’ insurance company if you suspect that your roof is damaged by a storm. The process can be long and frustrating.
There are a few things that you should know about the storm damage claim process. Here are 5 things to know about storm damage claims.
1. Insurance claims for storm damage are muddy and confusing
There are many roofing and insurance companies that don’t have your best interests in mind. We like to say that the insurance process is muddy and confusing.
Some companies take advantage of this and scam desperate homeowners to fix their roof problems. It doesn’t necessarily mean that all insurance or roofing companies will take advantage of their customers.
We’re just trying to let you know there are people from both sides that try to take advantage of homeowners who are in stressful circumstance. This will help you avoid a similar situation.
2. Do not sign anything until you receive approval for your storm damage claim
Some roofing companies will try to force homeowners into signing a contract before they can get up on the roof and inspect it. This is a way to force you to sign a contract giving them access to your roof even before your claim has been approved.
It is clear that the company does not have your best interests in mind. A reputable roofer will guide you through the process of insurance and provide an honest assessment if there is storm damage to your roof without you having to give any guarantees.
Do not sign anything from a roofer before your insurance has been approved.
3. Your storm damage claim must be approved by your insurance adjuster
At the beginning of this article, we discussed scenarios that can occur after contacting your insurance company. The insurance adjuster can only approve your claim, no matter what the insurance company claims.
A roofing contractor in Myrtle Beach will inspect your roof for storm damage and can advocate on your behalf if you believe you are affected. They can provide photos and explanations of what they found.
Even if the roofing contractor is absolutely certain that your roof needs to be replaced due to storm damage, it’s up to the adjuster of the insurance company whether or not they approve the claim.
4. Insurance adjusters can make mistakes
Most of the time, an insurance adjuster can spot storm damage. They’re only human and can make mistakes that lead to your claim for storm damage being denied.
There’s no need to panic. You can check your roof multiple times for storm damage.
Asking for a second adjuster to inspect your roof is the best thing to do. It’s great if they approve your claim. But sometimes, the second adjuster insists that this roof is not suitable for a claim.
You can still have an engineer visit your house if you are still certain that your roof is damaged by storms after the second adjuster has denied it. The engineer will inspect your roof and provide proof to the insurance company (if any) that it needs to be replaced due to storm damage.
5. Your roof can be repaired by a roofing contractor of your choice.
Once your claim has been approved, you can choose any local roofer you like. It’s crucial that the contractor you choose has experience with insurance claims.
This is a waste of time because the insurance company will set the price for your replacement once you have approved your claim. It’s pointless because your insurance company will set the price of your replacement after your claim has been approved.
You should do some research to find the best roofing company for you. When choosing the right roofing company, make sure that they offer high-quality work and are willing to fight on your behalf during the insurance claim process.
Our team of experts will be happy to help you. Call Greg Lilly Roofing & Restoration now.
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