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Step by Step Roof Insurance Claim Process
Check out this simple guide that will walk you through the process of how to file a claim, work with the insurance company and your roofing contractor to make sure your home gets repaired as soon as possible and the insurance company covers your repairs.
- \Assess the Damage
- \Document Everything
- \Call A Trusted Roofer
- \Review Your Insurance
- \File Your Claim
- \Meet with an Adjuster
- \Start Repairs
Insurance Claim Process In Depth
If you’re looking for a detailed guide to help you navigate the process of getting your home repairs covered by your home owners insurance then you can read through this in-depth guide.
Assess the Damage
It’s important to find out the extent of the damage done to your home as soon as possible. You should start this process with a cursory glance from the ground and look for any major damage. And not just roof damage, look for damage to your gutters, your siding, your chimney, your fencing, your deck/patio, windows or skylights. You’re looking for any place where the storm has caused damage to your home.
Next you’ll want to look for more subtle signs that there has been damage, like any signs inside your home of small leaks (like water spotting on the drywall, or areas where the drywall tape looks like it’s coming away from the rest of the ceiling.)
As a caution, if you think your roof may have damage but you’re unsure we advise calling a roofing professional to inspect your roof instead of doing it yourself. There could be damage that’s hard to see and has made it unsafe to walk on your roof.
If you’re not confident checking your home, you can also call Klausmair to come out and do a free assessment of your home.
Document Everything
Call a Trusted Roofing Professional
Review Your Home Owners Insurance
It’s important to find your insurance policy before you give them a call. Read through and make sure you understand what is covered and what isn’t covered under your current policy and what your deductible for storm damage looks like. If you’re not sure where your policy is try contacting your mortgage company since mortgages require home owners insurance they should have a copy of your policy or at least will know the name of your insurance company that you can contact for a copy of your policy.
File A Claim
Now that you’ve done the prep work it’s time to contact your insurance company. This can go about a couple of ways. The first is they may have a designated online portal for policy holders to submit their claims and start the process. If not, it’s as easy as giving them a call and saying you need to file a claim. They will walk you through what to expect from them and what they will need from you. They should also schedule a time for an adjuster to come and make their own assessment of your home.
Meet With Your Adjuster
When the adjuster comes out to your property they will be there to act as the intermediary between you and the insurance company, so the more information as you are able to pass along to them the better. You can also ask your roofer to be present as well to help communicate with the adjuster. Klausmair has plenty of experience dealing with adjusters and can help you get the best chance with your insurance company and will help you maximize your claim from your insurance company.
Start Your Repairs
Finally comes the part you’ve been looking for. By this point your insurance company has determined how much they will be helping with the repairs and your roofer can get started.
You can also talk to your roofer about using different materials for your roof if it’s going to be a full roof replacement.
You can learn more about our storm damage services here:
Serving: PA #051459, MD #177093, DE #2020706712