Greeley Roofing: Article About Navigating an Insurance Claim
Damaging winds and hail strike at the least convenient times, and homeowners are left to deal with the complicated aftermath. When it comes to filing an insurance claim, the process can be difficult and time-consuming. From taking pictures of your Greeley roofing to filling out the right paperwork, you may not even know where to begin. Whether a recent storm has blown off your shingles or you'd like more information on navigating an insurance claim in the future, taking the following steps can make the process go smoothly.
Before you contact your insurance agent, look through your policy and pay particular attention to the section on roof coverage. You may find that the verbiage is confusing, but jot down some notes on your interpretation so that you at least have some basis for the upcoming discussion. Homeowners often make the mistake of letting their adjusters make all the decisions, but you have rights and should employ them.
Call your insurance company to report the damage. They'll most likely schedule a time for one of their adjusters to come and evaluate the problem. You should take as many pictures as you can safely manage; don't get on the roof because you may create additional damage, and your insurance company could deny the claim. In the meantime, contact a handful of professional roofing contractors to perform their own evaluation. Select a company with a dependable reputation and experience inspecting hail and wind damage.
A roofing expert from Colorado Roof Toppers of Greeley CO can answer questions you have about wind damage or skylights.
Wait to hire a contractor for actual repairs until your insurance company accepts your claim. After the initial inspection by a third party company and your insurance company, you can submit the paperwork your insurance company provides. Read each page carefully, and don't sign any agreement for payment until you're satisfied with the reimbursement offer. If you feel that your insurance company isn't offering enough to cover the total cost of damage, then try to negotiate.
Keep in mind that your state may have a statute of limitations for filing an insurance claim. This means that you may have a restriction from the date of the storm to file the claim, and your insurance company can reject the claim if you don't file in time. You may also be limited in terms of coverage due to the age of your roof and the type of policy you possess.
Additionally, don't be hesitant to file a claim just because you don't see any visible signs of damage. Hail and wind damage can be superficially subtle while masking underlying issues. Only an experienced roofing contractor and insurance adjuster will be able to determine the full extent of your damage. Even if seemingly insignificant, taking care of the problem now can help prevent a variety of future structural problems.