Learn how RoofingCo.com in Chattanooga, Tennessee can help you through the process of a successful roof insurance claim so that you can get your life back to normal.
When an unexpected event happens and you need to make a roof insurance claim with your homeowner’s insurance company, the process can feel overwhelming and frustrating. Finding a quality roofing company with experience working with insurance claims can make the process simpler, but you should still understand what to expect.
If your homeowner’s insurance policy allows you to work with your preferred contractor and you are in the Chattanooga, Tennessee area, we can help take the stress out of your roof insurance claim process. In the meantime, look at our guide to better understand the process that goes into a successful roof insurance claim.
After an unexpected event or disaster causes damage to your roof, there are steps you should take if you want your insurance company to approve your roof insurance claim. The first step to a successful roof insurance claim is to have a professional inspector who is working for you – not the insurance company – evaluate damages as soon as possible.
When a roofing expert from Roofing CO comes out to inspect the damage to your roof, we will evaluate the extent of damage.
We will take photos and document the damage. Then, we can also take measures to mitigate further damage to your home such as tarping.
Make sure that whichever company you call, they are licensed, insured, and local. Don’t gamble with your claim or your investment by allowing a storm chaser roofing company to come in. Make sure the company is an established and trusted roofing company.
When you have an independent inspector come evaluate damages to your home, you should expect us to fully survey the damage. If your roof is still attached to your home, we will need to get onto the roof and into your attic to determine and document the full extent of the damage. After that, your will receive a full report and an estimate.
Once the roofing company evaluates the damage to your roof, they can work with your insurance company by detailing the necessary repairs and providing an estimate.
If you are in our Tennessee service area, we can handle all the roof insurance claim paperwork and communicate with your insurance company about your roof insurance claim on your behalf.
Your insurance company will assign an adjuster to your roof insurance claim. If you have Replacement Cost Value coverage with your insurance policy, your insurance company is supposed to pay for the full replacement cost of the roof and any other damages to your home, minus your deductible.
Usually, insurance companies withhold full payment until the repairs or replacement have been completed and an invoice has been submitted to them. If you have a mortgage, your insurance company will often make a check payable to both you and your mortgage company. You should not sign the check until after the mortgage company has signed it and returned it to you.
If your roof is so substantially damaged that it needs emergency repairs, RoofingCo.com can work quickly to fix the problem to mitigate further damage to your home and cherished belongings.
During the roof insurance claim process, make sure you do all the following:
Choose a roofing company that is experienced that you feel comfortable with. If you choose a roofing company just because it was suggested by an adjustor and they mess up your roof repairs or roof replacement, insurance is not inclined to pay for further repairs.
Keep receipts of all expenses.
Take photos of all damages as soon as possible including damage to exterior furniture, lighting, and fixtures. Besides just the roof repair claim, you can also claim other damages caused by the unexpected event.
Keep copies of all quotes and estimates.
Keep copies of all invoices for any repairs involved with your roof insurance claim. Small amounts add up quickly.
If your roof is replaced, document the finished roof with photos and detailed invoices to submit to your insurance company so that your policy can be updated. Many insurance companies want you to document when you have a roof replacement, and despite their paying out on a roof insurance claim, they frequently fail to update the age of your roof on your policy.
If you are near Chattanooga, Tennessee, contact RoofingCo.com for help navigating the roof insurance claim process. We can send someone from our team out quickly to assess the damage and mitigate further damage to your roof, home and belongings. As an experienced roofing company, we will be with you through every step of the process, and we will stand by our work.
We provide top-quality roofing services to families and businesses in our community.
