A roof repair can be a very daunting and stressful experience, not only because of the costs of the repair itself but also because of the day-to-day interruptions it can cause to your life. Due to this, roof damage repairs shouldn’t be delayed. To avoid delays, an insurance claim needs to be filled out correctly. So, we’ve put together this guide on the standard insurance claim process for storm damage caused by wind and hail. It is worth noting, however, that your experience may vary from carrier to carrier.
Warranty vs Insurance
One of the most common reasons for filing a claim is due to weather damage. However, it’s important to acknowledge that warranties differ from insurance, so you need to understand how these two work before you file your claim. For example, warranties usually cover defects and abnormal wear, so they typically do not cover the cost of repairs, whereas insurance does.
A Step-by-Step Guide to Filling Out an A Step-by-Step Guide to Filling Out an Insurance Claim for Roof Damage for Roof Damage
Your first step in this process should be taking photos of any potential damages, either with your phone or digital camera, so that you have an accurate record of what was there before the storm hit. Now to start the actual claims process:
1. Call your insurance agent or insurance claim line and ask specifically for the claims department.
2. Request to file a claim for hail and wind damage. So long as you provide the address to the property, the insurance team should be able to pull up your policy to get the claim initiated.
3. The insurance company will request the storm date for the occurrence. If you are unaware of the actual date, you should contact a local roofing contractor or consultant for further assistance.
4. Your case will be assigned a claim number, and this will be the reference number throughout the entire claims process.
5. An adjuster will be assigned to your case and will typically contact you within 24-72 hours regarding your claim. The adjuster will then schedule a time to come and inspect the damage to make an informed decision.
6. It is encouraged to have a trusted roofing contractor or consultant present for the adjuster meeting. Your contractor’s job in this instance is to oversee that the damage found (or not found) is being properly documented. One party should not decide the final say for your roofing system. Having both parties present causes accountability for a proper ruling.