If your home has been affected recently by a storm, your roof may have sustained storm damage. This damage could be obvious, such as missing shingles or tree limbs protruding from the roof, or it could be hidden and difficult for nonprofessionals to spot. To determine if you should file an insurance claim, it's best to call a local roofing or restoration contractor to inspect the roof and determine the scope of the damage. The contractor can document the damage by taking photos to send to your insurance company. Additionally, if the damage is severe and your roof is leaking, the contractor can install a tarp over the affected area to help limit further damage.
Choosing The Right Contractor for Insurance Claim Assistance
Choosing a good contractor is an important first step before you file an insurance claim. The contractor you choose must have extensive experience handling insurance claims. A good contractor will have the knowledge and expertise to inspect your roof and determine the scope and type of damage. They can distinguish between damage caused by extreme weather events, such as hail and wind, and issues related to the age of the roof. This distinction is crucial because insurance typically only covers storm-related damage and does not cover issues caused by natural aging or lack of maintenance.
Storm Damage Assessment Process
If you have determined that your roof has sustained storm-related damage, the next step is to file an insurance claim. Most insurance companies will send an adjuster to your home to inspect your roof. After the inspection, your insurance company will determine if the damage is covered. If it is, they will provide you with an estimate for the visible damage. However, additional damage, such as hidden rafter or plywood damage, may be discovered during the restoration process. A good contractor will communicate with your insurance company and provide documentation for any additional damage to help determine if it is covered.
At Drew Renovation, we have extensive experience managing storm damage restoration projects and collaborating with insurance companies to ensure a smooth process. If you’re in need of a roofing or storm damage restoration company, please get in touch with us.