Wilmington Roofing: Article About Making Insurance Claims On Roofs
Every roof needs to be replaced at some point in its lifetime, whether due to damaging weather or simple wear and tear. Regardless of the reason, making an insurance claim needs to be done properly so the homeowner doesn't have to pay anything out of pocket. A consultation with a trusted Wilmington roofing company can make the process go more smoothly.
The first step in the claims process is finding out exactly what the insurance policy covers. Depending on the policy, it's possible that the insurance company will take the age of the roof into consideration before they approve the claim. Some insurance companies will cover the full cost of a new roof if it's less than 10 years old and has been severely damaged during a storm. If the roof is over 10 years old, the company may only approve an amount that covers the depreciated value of the roof. Other policies may only cover the cost of replacement up to the depreciated value of the roof, regardless of how old it is. Then there are policies that will cover the entire cost with no regard to how old the roof is.
The roofing contractors at The Roof Maker of Wilmington NC can assist you with any questions regarding metal roofing or asphalt shingle roofing.
No matter what's in the policy, the company will send out a claims adjuster to inspect the roof and verify the validity of the claim.
Documentation can make or break a claim. If the roof is being replaced due to storm damage, taking pictures immediately after the damage is discovered will help the process. Most insurance professionals don't recommend cleaning anything up if it won't lead to any further damage of the home. If branches or other debris need to be removed, homeowners should take pictures before removing the debris. For roofs that are being replaced due to age, it will help to take pictures of the roof periodically through its lifetime, especially after it's had something done to it, like adding a dry in or repairing a damaged section.
Finally, homeowners should always choose a roofing contractor with plenty of insurance experience. This means avoiding contractors with no certifications or licenses. Chances are they don't have any experience working with insurance companies and settling the payout from the insurance company can become a nightmare. Before an insurance company will give the final approval on a claim, they typically want an estimate from a licensed contractor.
A roof is a very expensive investment and one that is frequently handled by insurance adjusters. Homeowners should be aware of what their policy reads before making their claim, so they have an idea of whether or not their claim will be approved.