Roof Damage? Don't File That Insurance Claim Just Yet

When homeowners notice roof issues that look like their roof has been damaged, their initial reaction is to contact their insurance company to file a claim.

BUT, this can be a big mistake on their part.
​
Here are 3 reasons to contact an experienced insurance agent who can guide you about getting an reputable roofing expert BEFORE filing an insurance claim:

1.  An experienced, reputable roofing contractor can do a thorough roof assessment and accurately diagnose exactly what the damage is.  This gives you highly accurate information that will help determine if you even need to file a claim.

2.  If the extent of the damage is less than or equal to the deductible of the homeowners insurance policy, there's no reason to alert the insurance company.   You are responsible for the cost up to the deductible amount.
If you inform the insurance company of this damage, it will be noted in your account.  This will stay on your insurance record for a period of time even though a formal claims process isn't initiated.
The more insurance incidents you have on your record, the higher risk you are to the company and the greater chance of your policy being non-renewed.

3.  If the roofing contractor's assessment indicates you should file an insurance claim, the contractor can provide specific documentation to the insurance company to justify the claim.
The roofing contractor can also meet with the insurance adjuster when he comes to assess the damage to ensure the adjuster understands the exact extent of the damage.
AND, the contractor knows how to navigate the claims process so the homeowner receives the best possible settlement.

Contacting your insurance agent for guidance in first securing a professional roofing expert in these situations can be key to maintaining a positive stance with your insurance company.
​
Need help with a damaged roof?  Call me for guidance on next steps that are in your best interest:  706-726-1446.
 
You might also be interested in:
Roofs and Homeowners Insurance:  What's Covered
Why Roof Claims Are Denied