Weather extremes can severely damage your home. You must have your home inspected, especially the roof, every time serious storms hit your area. Make sure to address repairs immediately to prevent the damage from spreading to other parts of the house.
Filing hail damage insurance claims don’t need to be stressful with the help of an experienced roofing contractor. Here are the do’s and don’ts of this insurance claim.
What You Should Do
Contact Your Insurer and Roofer Immediately
Get in touch with your insurance company and roofer as soon as you notice that’s something wrong with your roof. In many places, roofers and insurance companies prioritize those who have contacted them first. In areas where it may not be safe to work on a roof during winter, this means queuing up to have your roof repaired in spring.
Set a Meeting With Your Roofing Contractor Insurance Adjuster
Arrange for a time for you, your roofing contractor, and adjuster to meet. In cases where many homes have been affected by a weather event, insurance companies bring adjusters who aren’t from your state. In person, it will be easier for your contractor to discuss their concerns regarding the adjuster’s findings compared to speaking through a phone call.
Keep a Copy Of Your Insurance Policy
Having a copy of your policy will allow you to review it when you need to file a claim. Before filing a claim, read what your policy does and doesn’t cover.
What You Shouldn’t Do
Hire the First Company that Appears on Your Doorstep
Storm chasers take advantage of homeowners after a weather event by saying their roof is in worse shape than it actually is. When someone comes knocking on your door and offers you something that’s too good to be true, it probably is. Avoid roofing scams by hiring local contractors and doing your research.
Accept Your Insurance Adjuster’s First Offer
It’s alright not to accept your adjuster’s first offer if it’s too low to cover the work that your roof needs. Keep in mind that you can hire an independent adjuster and submit their findings to your insurer and request a new payout amount.
For your home exterior needs, choose Mobley Brothers Roofing and Renovation. We specialize in residential roof replacement, siding installation and more. Call us at (865) 216-3274 or (615) 906-1195. You can also fill out our contact form to request an estimate. We work with clients in Lebanon and Knoxville, TN.