There are times when homeowners will find themselves in need of making a roof claim. Whether due to damage from a storm or a manufacturer’s defect, the process of claiming damages can be confusing or intimidating. Knowing the basics of how to make a successful roof claim can help ease the process and save time and money.
Prepare the following items to claim for roof damage:
- Proof of ownership of the property (deed or title)
- Proof of insurance policy
- Pictures of the damage
- Written description of the damage
- Contact information of the contractor who performed the repairs
- Estimates for repair costs
- Receipts for any materials purchased for the repairs
- Copies of any warranties for materials used in the repairs
- Copies of any documents related to the cause of the damage (e.g. hail, wind, etc.)
- Copy of the police report, if applicable
- Copy of the inspection report, if applicable
Your cell phone camera will serve as a support tool
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Steps to File a roof claim
1. The First Steps of a Roof Insurance Claim
The first step to making a successful roof claim is to inspect the roof and document any existing damage. It’s important to take photos and accurate notes of the existing damage to help support the claim. If a storm is at fault, be sure to check all local news sources to confirm that hail or wind was in the area at the same time as the damage to the roof, as insurance companies may require. Additionally, any repair that has been made to the roof before the claim should be documented and the receipts kept on hand.
2. Determining Whether a Roof Leak Claim is Valid
Once the property has been properly documented, the homeowner should then contact the insurance carrier to report the damages and begin the claim process. A good rule of thumb is to make sure any information requested is submitted to the insurance promptly. The carrier may also have an inspector come to the property to inspect the roof before the claims approval. In this instance, the homeowner needs to have proof of any prior repairs, in addition to the original photos and notes taken before the claim.
3. Insurance Roof Claim Process
When a roof leak claim is approved, the pre-agreed costs of the damage will be covered by the insurance carrier. Depending on the policy, the process of getting the roof replaced should begin soon thereafter. At times, the insurance company may require that the homeowner selects a licensed contractor that has been approved by the insurance carrier. The contractor should provide a thorough and accurate estimate and proof of their license and insurance liability.
Guidelines for a Successful Roof Claim
Knowing the guidelines for what to do in the event of making a roof claim can help make the process go more smoothly. Homeowners should document pre-existing damage, as well as any repair receipts or work performed before the claim is made. Claims should also be made promptly to the insurance carrier and any requested documentation should be sent as soon as possible. Finally, find a licensed contractor that is approved by the insurance carrier to perform the work and make sure they provide accurate estimates.
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With a little preparation and the right information, homeowners can be more confident when it comes to making a successful roof claim. Understanding the process, required documents, and approved vendors can ensure a smoother experience and save time and money.