Understanding the Roofing Insurance Process

A damaged roof can cause tons of stress because it threatens your family, and your property. This stress often amplifies due to navigating the insurance process. Honey Bees Roofing & Solar pride ourselves in our ability to help our customers with understanding the roofing insurance process, so you’ll have one less thing to worry about.

Assess the Damage

If you believe you have roofing damage you’ll need to figure out the extent of the damage. Sometimes the damage is severe, perhaps from a recent strong storm passing through your town. In this case, document any damage on and off the roof. This includes any destroyed pieces from your home, as the insurance adjuster may wish to inspect them. Make sure to write down and/or photograph anything that was destroyed, damaged, or lost. However, no matter how much damage your roof has, consider contacting a professional for a free roof inspection. Many roofing contractors offer free roofing inspections so you won’t have to risk your safety climbing onto your own roof. Also, a professional inspection offers insight into the damage that will be helpful to you. You’ll be able to get your roof’s damage documented safely from the ground.

Avoid Scammers

Obvious roof damage and bad storms can easily attract scammers and storm chasers looking to get your money and provide little to no service. Avoiding roofing scams may seem difficult, but we’ve outlined tips in the link earlier in this sentence to help you. If a roofing contractor is from out of town, they might perform the repairs, but surely won’t be there for any necessary warranty work. They’ll offer repairs or replacements to your damaged roof. They may ask for payment upfront, and then never see you again. It’s also worth noting that you can’t waive a deductible. If you try, you, the person who submits the invoice to the insurance company, have committed fraud! You’ll be the one in trouble since you submitted the invoice and “violators could get up to a $2,000 fine and up to six months in jail.”

Begin Your Insurance Claim

Talk to your insurance provider as soon as possible. Some insurance claims have a time limit, so starting it quickly will be beneficial. Keep your insurance documents on hand, as well as lists of anything damaged or broken. Even though your home owner’s insurance will absolutely need to be called, you may also have to call your auto insurance agency. If your car is damaged, you’ll have to notify your car insurance, even if it was in your garage.

Meet With Your Insurance Adjuster

After the claim has started your insurance will send out a claims adjuster to assess the damage. They’ll inspect the damage on behalf of your insurance company. After this inspection, make sure to give them everything you’ve collected pertaining to your home’s damage. They’ll send the information to the insurance company with their assessment of the damage. This process can be quite stressful, but Honey Bees Roofing & Solar is here to help. We’ll meet with you and your insurance adjuster on-site to discuss the restoration plan for your home. We’ll help you navigate the homeowner’s insurance claims process, thus relieving you of stress and helping you get the best reimbursement you’re entitled to under your insurance policy. If you need help with roof repairs or understanding the roofing insurance process, Contact Honey Bees Roofing & Solar online or give us a call today at 817-668-6131!