Posted on: 11 January 2022
Your homeowners' insurance policy may cover roof damage that is caused by storms, including hail storms or hurricanes. If you have a damaged roof following a storm, you may be filing a roof insurance claim. This is not something the average homeowner does multiple times, and as such, you may be unsure of how roof insurance claims work and what you need to know when selecting a roofing contractor to complete the work. Read on to learn the basics pertaining to roof insurance claims and selecting a roofing contractor.
You Are Able to Select a Roofing Company of Your Choosing
Once your insurance claim has been approved by the insurance company, you are able to select any roofing company that is licensed and insured to complete the work. Your insurance company may recommend companies to you, but you are not legally obligated to use the companies they recommend. It is advised that you search for a roofing company that has experience completing insurance claims for damaged roofs, as they may need to present evidence to the insurance company if they find the roof is more damaged than originally noted.
The Insurance Company Pays Pre-Set Amounts for Roof Insurance Claims
As you go about selecting a roofing contractor for roof insurance claims, you do not need to get estimates from roofing companies. Your insurance company will provide you with an estimate for how much they will pay for the estimated damages to your roof. You cannot keep any leftover money if the costs come in cheaper. As such, it is important to note that the insurance company pays pre-set amounts, and obtaining estimates in this type of situation is not needed.
You Need to Show a Roofer the Estimate From the Insurance Company
The final thing you need to be aware of when hiring a roofing contractor for roof damage that homeowners insurance is paying for is that you need to provide the roofing company with the estimate from the insurance company. Most insurance companies require it. This ensures that the roofing company knows what types of damage the insurance company is offering to pay for and how much the insurance company is willing to pay. It also allows a roofer to tell you whether there is damage that is not noted on the estimate that may need to be addressed with the insurance company.
If your roof was damaged following a storm, the first thing you need to do is contact your insurance company. They will send out someone to determine the full scope of the damage and provide an estimate for damage done and how much the insurance company will pay. Once you have this estimate from the insurance company, you can go about selecting a roofing company to help you get your roof back to its pre-storm condition.
For more information, contact a company such as Brandon J Roofing.Share