Why do you need roofing insurance? As you’ve surely noticed, the weather isn’t always gentle and mild here in Barrington, IL, especially in the winter and spring. Naturally, rough weather can damage a roof. You’re likely to find it after a storm, hail, or high winds.
Fortunately, you have roofing coverage. You have it in the form of your homeowner’s insurance. It protects your roof as well as what’s underneath. (Although you will have to pay the deductible out of pocket if there is one.)
Here are the five steps to follow when it’s time to file a roofing insurance claim.
Insurance Step #1
First, after bad weather or when you suspect the roof is damaged, don’t climb up there yourself to check out the situation. You could get hurt. Also, if you’re not a professional, you may not fully understand what you’re seeing. Call a reputable roofing company (like Highmark Restorations) for a roof inspection.
Insurance Step #2
Start the insurance claim process by calling your insurance company. Your roofing contractor from Step #1 can meet with the insurance adjuster to discuss the roof repair.
Insurance Step #3
In due course, the insurance adjuster will send you paperwork. The documents will lay out the damage to the roof. Share the information with the roofing contractor. The roofer will make sure nothing was left out. After that, the roofing contractor will confer with you to make sure you understand what you need to. That includes what’s being covered and the cost to make the roof repair.
Insurance Step #4
At this point, it’s time for repairs to begin. The homeowner signs a contract with the roofing contractor and selects roofing material colors and styles as applicable.
Insurance Step #5
When repairs are finished, the roofing contractor sends documents to the insurance company. These arrange for the release of depreciation. At this point, you might need to endorse checks that go to your mortgage company.
Roofing Insurance: A Final Thought
As you can see, to make the insurance process work efficiently, you want a fully professional roofing contractor. Highmark Restorations provides free roofing inspection and is expert at interfacing with insurance companies. If we can be of service, please give us a call.