Storm Damage Roof Insurance

After a bad storm, you may notice that your roof’s looking a little bent of shape. Rather than ignoring it or waiting a few weeks, benefit from storm damage roof insurance immediately. Find out the damage done, make your claim, and begin the repair process. Your roof protects your house and your loved ones.”

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As home owners, we are vulnerable to Mother Nature every day. Whenever disaster lands at our doorstep or, in this instance, our rooftop, we can be thankful for insurance policy and the availability of roofing insurance claims for storm damage. When acquiring insurance, it is always better to seek advice from your insurance agent concerning your policy’s coverage because it relates to roofing insurance claims storm damage.

As soon as the storm has passed, check your roof for damage. The wounds may be noticeable (missing shingles, cracks, indoor leaks) or higher subtle (bruises, dents to shingles or gutters, or granules collecting in gutters). These indications of damage are a cause for concern. Bruises to your roof (areas where the shingles’ granules are actually knocked away) can expose the shingles’ bases to a lot more UV rays, causing damage that may limit your roof’s life. Holes, cracks, and missing shingles can cause water damage in your home (if severe, this may result in mold formation or rotting wood). Do not shrug off damage; it could trigger more problems later on in the future.

Once you’ve taken note of the damage, write down the date of the storm, a description of the damage, and take some photos. You could also print off local news stories about the storm, in case your insurance agency asks for proof of its occurrence.

When you get an estimate from your insurance company, you might begin the process of contracting the work out to a professional. If you opt to engage a professional, ask them to provide you with a projected cost after they have reviewed the damage. On your initial conversation, explain that the funds will come from your insurance company’s claims department, which handles the payment of roofing insurance claims for storm damage. If the adjuster and contractor could agree with the solution for the damage and the cost, this could expedite the process. In most cases your roofer will likely be awarded the repair job.

Should they approve your claim, phone back your contractor. Make use of the first check from the insurer to pay for materials and the second to pay for the contractor. Be sure that all materials are bought in your name (along with the check provided) and do not pay your contractor until the job is done and has passed city inspection.

Dealing with your hail damage cover and its insurance is a crucial element of living with hail storms. With the appropriate information, you can save yourself 100’s of dollars in fees and deductibles, and also a quality roof replacement due to damage from hail.

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