Guide to Roofing and Homeowners Insurance

Understanding the relationship between your roof and homeowners insurance is crucial for protecting your home and financial well-being. In this guide, we will explore various aspects of roofing and insurance and provide tips on how to best protect your home.

Here are some common types of roofing coverage:

• Weather-related damage, such as from hail, wind, or storm
• Damage from falling objects, such as trees or large branches
• Fire damage
• Water damage caused by a covered event such as a burst pipe

Keep in mind that standard homeowners insurance usually doesn’t cover damage from floods, earthquakes, or normal wear and tear.

Deciding When to File a Claim

Before rushing to file a claim, assess whether it’s the best course of action. There are a few things to consider:

• Your Deductible: If the cost to repair the roof is less than your deductible, then filing a claim won’t save you any money on the repair, and it could cost you in increased premiums. Paying out of pocket for minor repairs can prevent unnecessary premium increases. For more guidance on whether to file a claim, read, Should You File an Insurance Claim for Roof Damage?
• Claims history: Filing multiple claims within a short period can lead to higher premiums or even policy cancellations. If you’ve filed other claims recently, consider whether paying out of pocket to repair the current damage could save you over the long term.
• Extent of the damage: If a covered event, such as an unexpectedly powerful storm, has caused extensive damage that requires expensive repairs, it’s likely worth filing a claim. These are the kinds of events that homeowners insurance is intended to protect against.

Filing a Claim

Once you’ve decided to file a claim, it’s important to follow these steps:

1. Document the damage. Take photos and videos of the damage to provide to your insurance company. This documentation will help when filing your claim and during the inspection.
2. Contact your insurance company promptly. Many policies have time limits for filing claims after an incident. Be sure to notify your insurer as soon as possible after discovering the damage.
3. Coordinate with a roofing contractor. It’s a good idea to have a professional roofer inspect the damage before your insurance adjuster arrives. They can offer a second opinion during the inspection to ensure an accurate assessment.

Storm Damage Claims

Due to its unpredictability and severity, storm damage often requires special consideration. For example, hailstorms and hurricanes can cause extensive damage that may not be immediately visible. When dealing with storm damage claims, it’s important to understand the specifics of your policy so you know what types of damage are covered—and what may not be covered.

Storm damage claims can be more complex because severe weather can cause issues like hidden hail or water damage. After a major storm, have a contractor inspect your roof for less obvious issues like bruised shingles or minor leaks. Addressing damage early can prevent more significant problems down the road. Be sure to file your claim promptly, have your contractor present during the adjuster’s inspection, and ensure any hidden damage is thoroughly assessed to avoid future problems.

By knowing when to file a claim and being prepared with the right documentation, you can navigate the roof insurance claim process with confidence. Taking these steps helps to ensure you’ll be properly compensated while protecting you from unnecessary premium hikes.

Be Prepared

Before the insurance adjuster arrives, take these important steps:

• Document all damage thoroughly. Take clear photos and videos of the affected areas, both from the ground and, if you can do so safely, from the roof itself.
• Review your insurance policy carefully. Understand what types of damage are covered and what your deductible is.
• Gather any relevant maintenance records or previous inspection reports to show you've been diligent about roof care.

take an Active Role During the Adjuster's Visit

When the adjuster comes to assess the damage,

• Be present during the inspection if possible. This allows you to point out areas of concern and answer any questions directly.
• Walk through the property with the adjuster, showing them all areas where you've noticed damage.
• Take notes on what the adjuster observes and any comments they make.

Communicate Honestly and Mindfully

Honesty is paramount when dealing with your insurance company. Always be truthful about the damage and circumstances, but be cautious about making statements that could be interpreted as admitting fault or negligence. Stick to the facts and avoid speculating about the cause of the damage.

Keep Detailed Records

Throughout the process,

• Document all interactions with your insurance company, including dates, names of representatives, and summaries of conversations.
• Save all emails and written correspondence.
• Keep receipts for any emergency repairs or temporary measures you've taken to prevent further damage.

Understand Your Rights to Negotiate

Remember, you have the right to negotiate with your insurance company.

• If the initial offer seems low, don't be afraid to question it.
• Consider getting an independent estimate from a trusted roofing contractor to compare with the adjuster's assessment.
• You can reject a low offer and ask for a reassessment or a second adjuster's opinion.

Consider Professional Help

• You might want to hire a public adjuster to negotiate on your behalf, especially for complex or high value claims.
• Choose a reputable local roofing contractor who can provide an expert assessment and potentially help in negotiations with your insurance company.
  
  

Remani Patient and Professional

Throughout the claims process,

• Remain calm and polite in all interactions, even if you feel frustrated.
• Be patient, as the process can take time, especially for extensive damage.
• Follow up regularly and respectfully to ensure your claim stays on track.

It's important to note that not all types of roof damage are covered by insurance. Typically, damage caused by fire, hail, or wind is covered, but damage to an old roof or damage that occurred in the past may not be. Always check your specific policy for details.

When choosing a contractor for repairs, remember that you're not obligated to use the one that your insurance company suggests. You have the right to select a contractor you trust. However, be wary of any contractor who offers to pay your insurance deductible, as this is both unethical and illegal.

By understanding your rights, maintaining clear communication, and being prepared throughout the process, you can effectively navigate work with your insurance adjuster to ensure your roof is properly repaired or replaced following damage.