Once you have submitted a claim to your insurance company, they will schedule a review and inspection of your roof. Make sure you have chosen a roofing company that regularly works with insurance claims and will meet with the insurance adjuster out at your home to review the entire roof with them. Talk to your roofer about defending roof damage and the areas that are part of the roofing system as we mentioned above. You want a roofing professional who knows the local codes well so they can support the fact that you need a new roof and why.
After submitting your insurance claim and hiring a roofing company to provide supporting evidence, your insurance company has the discretion to make a decision. After the allotted time (usually about 15 days), the insurance agent will let you know whether your claim has been approved or denied. If your claim is denied, you can appeal the decision. These procedures differ from insurance company to insurance company, so be sure to consult your insurance agent for guidance.
Negotiating with your insurance company can be a daunting obstacle, especially if what you are negotiating for is outside of your expertise. Roofs Restored has been having these types of conversations with insurance companies for years. I'll show you how using reasoning and tenacity can help convince your insurance company to give you what you deserve for your roof replacement. Your best ally in a roof repair fight (if it comes to that) will be a licensed roofing contractor, not a lawyer.
Think about it; if you're using a reputable roofing contractor or roofing company, they should have the credit to order your shingles before they start work. Having your roof replaced and going through the insurance steps is never fun, but using a great roofer who has experience with insurance claims will make the process go smoothly and provide good results. If your roofing system was quite old, new vents or fascia products could help bring your roof up to modern codes. Once you file a roof replacement insurance claim, your insurance company will send an adjuster to your home.
However, you must first follow a series of steps and file a roof replacement insurance claim with your insurance provider. It's common practice; you get a knock on the door, usually after a major storm, and a roofing contractor is there to ask if you want your roof inspected for free. If all goes well in the insurance claim process and your insurance adjuster has approved your roof replacement claim, there will be a stack of paperwork to review and sign. If your roof claim is approved, you will be able to start working with your chosen contractors to complete the installation of your new roof.
If the roof replacement contractors tell you that you must file a claim, contact your insurance provider for details of your policy. It is best to ask two or three roofing contractors to inspect the roof and provide detailed estimates for the necessary repairs. Typical home insurance coverage should normally provide for the repair or replacement (depending on your policy) of a damaged roof.