After a storm, you may discover that some parts of your home — such as your roof — have sustained damage. If this is the case, you might need to file a storm damage claim with your homeowner’s insurance. While this process may seem intimidating, with the assistance of a reliable roofing contractor like Bone Dry Roofing – West, it doesn’t have to be stressful.
Continue reading to discover the things you must know before filing a storm damage claim.
Insurance companies often have strict deadlines for filing claims. The deadline for filing claims varies depending on the insurance provider. However, many policies require you to submit your claim within 14 days of the storm. This means you should schedule a professional inspection immediately following an extreme weather event. Even if your roof appears fine, it might have hidden damage, which could manifest weeks or months later. If this occurs, you could end up having to cover the repair costs. If you don’t know if your homeowner’s insurance has a storm damage claim deadline, call them and ask.
Maintaining your roof matters. Your insurer might turn down your claim if they discover that you’ve neglected your roof. If they learn that the damage resulted from poor maintenance, they’re less likely to cover repair or replacement costs. This is just one of the many reasons to take proper care of your roof.
You don’t have to accept the first offer. You don’t need to settle on your adjuster’s first offer, especially if it’s not a reasonable amount. To get an idea about how much it will cost to restore your roof to its original state, obtain estimates from reliable contractors. Fortunately, many roofers offer free estimates and inspections. When you know how much the repair or replacement is likely to cost, you have a better chance of getting a fair payout. Bone Dry Roofing – West always offers free inspections and estimates.
If you need an emergency roof repair, let Bone Dry Roofing – West handle your home’s roofing needs. We install and repair various materials like shingles, metal, tile, wood shakes and more! Call us at (970) 364-7996 or fill out our contact form to get a free estimate.