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Loveland Roofing: Article About Insurance Claims

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If a severe weather event caused damage to your roof, you may want to look into filing an insurance claim. Your homeowner's insurance policy may cover storm damage to your roof, and your roof may even be covered for its full replacement cost. While there's no guarantee that your policy will cover the cost of repairs for storm-related damage, you can increase your chances of success by taking prompt action. Once the immediate danger of the storm has passed and you've assessed the damage, call both your Loveland roofing contractor and your insurance agent to evaluate your roof's condition.

The contractor can inspect your roof and give you an estimate for the necessary repairs. He or she can also highlight the areas of damage with chalk and take photos that you can provide to your insurance company as documentation. However, your contractor won't be qualified to comment on whether your roof is eligible for a replacement covered by your insurance. This type of assessment is provided by the insurance adjuster.

The insurance adjuster will look for certain telltale signs of hail or other storm damage. Missing granules, for example, are a strong indicator that hailstones hit and damaged the roof.

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If the bare spots exposed by the missing granules feel soft to the touch, this bruised texture is further evidence that the granule loss was caused by hailstones and not ordinary wear and tear. Adjusters look for other signs such as cracks in the fiberglass matting that lies underneath the asphalt coating of a shingle. If all of these indicators are present, it's likely that your adjuster will confirm that the damage was indeed due to hail and qualify your roof for full replacement.

When some, but not all, of the telltale signs of hail damage are apparent on a roof, an adjuster will often look for collateral damage to the house. Areas such as the windows, siding, gutters and vents are inspected for evidence of hail damage. If signs of hail strikes are present in these areas, your adjuster may take this collateral damage into consideration even if the primary signs are hail damage are not found on the roof.

Storm damage from hurricanes and tornadoes isn't the only type of damage covered by insurance. Unpreventable events such as vandalism and fire are also typically covered. If your roof has incurred damage from old age or ordinary exposure to the elements, you'll have to pay for the repairs or replacement on your own. Before you file any claim, it's important to understand the terms of your policy and gather as much documentation and photographic evidence as possible. The more information you have, the less complicated the claim process will be.

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