Filing A Property Claim For A New Roof

File a claim with your homeowner s insurance within 30 days.

Filing a property claim for a new roof.

So with such an important decision on the line it can be tempting to let a public adjuster file a claim on your behalf. The right roof replacement company will be experienced certified and familiar with insurance claim procedures. Concord roofing construction has the years of. Filing an insurance roof replacement claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company.

The average homeowner only makes one claim per decade so being unfamiliar with the process is normal. That said if you ve experienced extensive damage to your property s roofing system. Most states require a homeowner to make a claim within 30 60 days. Commonly covered perils include fire wind and hail damage so if your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm you may find that your dwelling coverage helps cover the cost.

If you determine that you do have enough damage to substantiate an insurance claim this is time to reach out to your insurer. A good roofing contractor should be able to offer advice for filing and can help you gather the proper documentation for your claim. On the other hand your public adjuster is your own advocate and is on your side. To a home insurance company the roof is the most important part of your house.

In more than 90 percent of hail or high wind claims there is a payout relative to the roof cover according to the insurance institute for business and home safety. It s the gateway to far greater damage claims once it s damaged. When there is a high volume of claims the earlier you file the paperwork the sooner you will get your claim processed. At this time you will be assigned an insurance adjuster who will be charged with inspecting your roof and any other damage your property has sustained.

Standard home owner claims rarely require the extra expense of using a public adjuster. Michael barry an iii spokesman recommends contacting your agent or insurer to ensure you know the time limit for any claims. When you acquire a new property or make significant renovations. Most standard policies require filing a claim within one year of determining that a hail storm damaged your roof or other parts of the house.

Filing a homeowners insurance claim for roof damage with insurance company representatives no matter how friendly and helpful they may be are on the side of the insurance company. They want you to get the highest possible payout that you deserve. You not only have to worry about standard property damage but you also run the risk of being forced to file a roof replacement insurance claim. Failure to make a timely claim is reason for claim denial.

The dwelling coverage in a homeowners insurance policy typically helps protect your home s structure including the roof from certain perils or causes of damage. Dealing with a hailstorm or other weather related calamity is upsetting.