So, How do roofing companies work with insurance companies?
Any major damage to the structure of your home can be costly, stressful — and, in some cases, a string of red tape hurdles just to ensure that your insurance steps in to give you the monetary assistance you’re entitled to. If you have a roofing claim and you’ve wondered, “Does insurance pay for roof replacement?” or “How do roof claims work?” — now is the time to arm yourself with some insider insight. Agave gives you the full rundown of the insurance roof replacement process — the procedures and best practices for getting that roof repaired in a timely fashion that doesn’t break the bank.
From the moment you become aware of damage to your roof, you want to take photographs and make notes for your own records — documentation that may be called for later in the process. Your insurance company will call on an adjuster to assess the damage themselves. During this inspection, you want someone from your family or business team to be onsite meeting with the adjuster, answering questions, and ensuring that every aspect of the damage gets noted. The adjuster will use the findings of this inspection to create the report that will ultimately determine your payout. You don’t want them to miss anything!
To obtain a new roof through insurance, the insurance company will go over the damage assessment and evaluate all the documentation the adjuster has provided. From there, the insurance company will decide how much you as the homeowner will receive for repairs. Frustratingly, this part of the process often takes considerable time and can lead to restoration delays — a big inconvenience if you’re dealing with pressing structural damage. If the required repairs are urgent enough, you might end up dipping into your emergency fund and then reimbursing yourself with your insurance payout later.
For roofing claims with insurance, while your claim is under review, your insurance company could ask for further documentation or clarification. In order to keep the process from stalling, you’ll want to answer their requests as promptly as possible and provide all the evidence they require.
At the end of the review process, your insurance company will calculate a grand total of the damage and send you a check. The payment is meant to encompass repairs that will either restore the roof to its previous condition or replace it altogether. This will always depend on the specifics of your policy.
Upon finalization of the claim and the receipt of your check, the insurance company will be hands-off. You will coordinate with a contractor to determine the exact scope of the work and prepare a separate contract. At this stage, you can make an agreement that strictly covers the damage to the roof, or coordinate with your contractor to create a work order that includes additional work elements. Perhaps you want to invest in higher quality materials, add-ons, or further renovations to the home. The present project might present a logical opportunity to initiate other work you might have been meaning to do. Here are some suggestions for maximizing your opportunities, expediting the repair process, and achieving the best outcome.
Remain in Communication With Your Insurance Company
As mentioned, the claims process can be a drawn-out and demanding ordeal. You want to make sure you provide the exact documentation they require at the exact moment they ask for it. You shouldn’t give them an excuse for any needless delays. By doing your part to get the ball rolling, you’ll keep them on task and likely receive the results you desire. As you work with them, do your best to understand all the terms and jargon related to your claim. This allows you to answer questions succinctly and accurately and complete the paperwork that comes your way. As you might imagine, any errors or missing information will only slow the process.
Enlist a Contractor Early
By coordinating with professionals who fully understand the scope of a particular job and the cost of the materials involved, you can make sure that the adjuster’s initial assessment is accurate, comprehensive, and complete. Naturally, insurance companies are often looking for any opportunity to pay out as little as possible. But contractors have years of experience dealing with insurance companies. They can provide guidance and recommendations to navigate your claim and help everyone involved understand the extent of the work that lies ahead.
Additionally, if your contractor’s assessment differs from the adjuster’s, your contractor can advocate on your behalf to the insurance companies. Roofing contractors are experienced in communicating the scope of damage and helping homeowners or business owners receive the money their policy guarantees.
Keep Complete Records
At every stage of the process, you will want to be sure you maintain diligent records of the damage. This is particularly true when you need to make immediate repairs to ensure the damage doesn’t worsen. Keep before and after photographs and, as your insurance company undergoes the claims review, make sure you make all documentation available to them. These details will make the difference between getting the full amount of the payment you’re entitled to, or a lesser amount simply because something wasn’t properly evidenced or notated.
A new or carefully repaired roof will be an asset to your property that equips you to withstand future storms and fortify your home or business. By acting fast, taking the right steps, teaming with an experienced contractor, and concentrating on getting the most from your roof repair, you will be able to turn around an unfortunate situation and, in many cases, come away with a valuable home upgrade after having invested in a sound insurance policy.