3 tips for homeowners working with roof insurance adjusters

October 12, 2020 at 7:00 AM
roof recently repaired after storm damage in Monroe

Roof damage insurance claims are complicated. Not only are they hard to investigate, it can be difficult to prove your case to a roof insurance adjuster.

Although most home insurance policies cover unexpected roof damage, the lines can blur pretty quickly — which is not something you want to hear when a hurricane hits and you have no other way to fund the repairs on your own.

But by hiring a public adjuster to handle your claim, you’re more likely to receive the maximum amount of money to help repair the damages sustained to your home.

As a homeowner, here are three things you need to know about getting your roof damage claim approved by an insurance adjuster in Monroe, LA.

1. Some types of roof damage aren’t covered by most conventional home insurance policies

In most cases, roof damage sustained by storms or natural disasters are covered by your home insurance policy. However, in certain circumstances, you can find yourself footing the bill for your roof repair or renovation.

This includes situations like:

  • Neglecting to maintain your roof over time
  • Wind and hail damage if your policy has exclusions for these specific conditions
  • Neglecting to take action immediately after a storm

Make sure to check with your home insurance policy to see if this applies to your situation.

2. Collect documentation of the damages sustained to your roof

In order to substantiate your claims when you present them to your insurance company, you’ll need to document as much of the damage to your roof as possible.

Take pictures of your roof (more is better than less in this case), as well as anything else to show the severity or extent of the damage. For example, if your roof was damaged during a hailstorm, you’ll want to document the size of the hailstones. Use a ruler or another object with a familiar size to provide a frame of reference.

You’ll also want to include documents that show and prove the cost of the roof itself. If you recently renovated your roof, for instance, you can provide an invoice for the total cost.

3. Hire an independent roof insurance adjuster to get an estimate on your damages

A third-party contractor can provide you with an estimated cost of the repairs you’ll need, once they get to your home and assess the condition of your roof. In fact, in many states where natural disasters like storms and hurricanes take place, you can easily find a third-party adjuster to help you.

Keep in mind that your insurance company may also decide to send an adjuster of their own to conduct another inspection. Their assessment and estimate of the costs may differ widely from that of your third-party contractor.

Book your free inspection with RainTight Roofing Inc. today

When you need a roofing expert and licensed insurance adjuster in the greater Monroe area, turn to the team at RainTight Roofing Inc.

In addition to roof insurance adjustments, we also offer roofing installations, repairs, and restorations — especially in the case of emergencies or sudden weather damage. On top of that, we also offer storm damage inspection, emergency tarping, and interior damage control if and when the worst happens.

Our roofing experts are here for you, whether you need an inspection or full-on repair or renovations.

Ready to get started? Schedule your free consultation and inspection by filling out the contact form on our website. On the other hand, if you have any pressing questions or concerns about our services, you can contact our team directly by calling 318-353-ROOF (7663).