When severe storms hit, you may face damage to your roof that causes leaks or even a complete collapse. If your roof suffers storm damage, there is no time to waste. Your roof is your home’s first defense against the elements, and a damaged roof can lead to more significant problems. No one sees roof damage coming, but when it happens Mitchell Roofing Company is there for your needs.
- Fire & Smoke
- Hail
- Wind
- Snow, Ice, or Sleet
- Falling Objects
Determine What Your Insurance Covers
Most insurance policies include the roof of your home under dwelling coverage. However, the extent that damage is covered often depends on your insurance policy’s specifications. Some standard homeowners insurance policies cover damage caused by:
You must understand what your homeowner’s insurance policy covers and doesn’t cover in the event of storm damage to your roof. If you live in a region impacted by hurricanes and other severe weather, you can obtain specific coverage options to protect your home during an extreme weather event.
Inspect The Damage To Your Roof
If your roof is damaged from a storm, you should first have it professionally inspected. The roof inspection report will be needed to file an insurance claim for damages. Some of the things a professional roofing inspector will look for during the inspection are:
- physical damage- broken or missing shingles/tiles
- water damage/areas that will be impacted by water
- any signs of warped, buckled, or curled roofing materials
- signs in the attic of leaks or water damage
- observance of overall roofing structure
How To File A Roof Storm Damage Insurance Claim
After the roof inspector surveys the storm damage to your roof and has provided a report, it is time to file your insurance claim. Make sure to contact your insurance representative for specific information that they need to be included in your claim. Depending on your policy, there may be a window of time that you must have your roof inspected and file your claim to adhere to the policy rules.
Meet With Your Insurance Adjuster
Most homeowner’s insurance companies require that you meet with one of their adjusters to inspect your roof. Typically, a contractor must also be present during this roof inspection. Even if your insurance company does not require that a contractor be present during their assessment, you can opt to have one there to answer any professional questions regarding the damage to your roof. Often, having your roofing contractor present during a claims adjustment meeting or roof inspection will increase the amount of damages you receive for your claim. By contacting the team at Mitchell Roofing Company, you can help the insurance claim process.