Replacing your roof can be stressful, especially when negotiating roof replacement with your insurance provider. Roofing insurance is vital in covering the costs of necessary repairs after natural disasters or accidents. Most insurance companies cover the roof replacement cost wholly or partly, but sometimes it may be difficult to get a favorable settlement. Luckily, following the right steps when negotiating your roof replacement can help you present a strong case and increase your chances of a successful outcome.
Negotiating Roof Replacement with Insurance
Every property owner should learn how to negotiate roof replacement with insurance companies to ensure their claims are paid. Follow the following steps to get solid evidence to support your claim and increase the likelihood of a fair settlement.
Assess the Roof Damage
Before you contact the insurance company, you must assess the roof’s damage. When assessing the damage, begin from the ground floor and look for cracks, holes, damaged shingles, or loose materials. Check the attic and crawl space for water damage like mold or staining. Look for curled, cracked, or missing shingles on the roof’s surface.
Document the Roof Damage
After assessing the roof’s damage, you should document it. Take pictures of the roof from different angles, including inside the attic and below the roof. In addition to taking photos of the damaged areas on the roof, it is also essential to document specific details like:
- When the roof damage occurred
- The address of the property
- Location of the damage on the roof
- What was damaged
- What caused the damage
Enlist a Roofing Professional for Inspection
After documenting the roof’s damage, contact a roofing professional to perform an inspection. A roofing professional will assess the damage to determine the required repairs and give you a roofing estimate of the repair or replacement costs. Get detailed estimates from two or more roofing professionals and ensure their costs, labor, and materials are indicated in their reports.
Contact an Insurance Adjuster
After receiving the cost estimates, contact the insurance company and request an insurance claim adjuster to come and look at the roof damage. The adjuster should take notes of the damage and not just inspect the roof visually from a distance. Present the relevant documentation, including the photos you took of the damage and estimates from roofing contractors to support your claim. The adjuster uses this evidence to calculate the amount of money you will receive based on the terms of your claim policy.
Don’t be afraid to inquire about their preliminary assessment of coverage and payment. Ask them to explain how they arrived at their conclusions and ask for a breakdown of the settlement offer. This gives you a chance to argue your case in case you feel certain aspects were overlooked.
File the Insurance Claim
Once you have consulted the roofing professionals and insurance adjuster, you can submit a claim to the insurance company. Collaborate with the insurance agent to ensure you meet the conditions for the claim and satisfy the necessary dates.
Payment and Replacement
The insurance company will review your claim and decide the amount to pay for total roof replacement or partial repair. After receiving the amount, schedule your roof contractor to do the repairs immediately.
From Damage To Protection with Solar Optimum
Going through the insurance claim process and replacing your roof can be challenging, but understanding the correct steps to take can make the process smoother and provide better results. A paid claim will ensure you have a better roof to protect your property from the weather and elements in the next season.
At Roofing Optimum, we offer the best roofing services and warranties in the industry. From high-quality shingles and lightweight concrete tiles to solar panel preparation, we have the experience and expertise to handle all your roofing needs. Contact us today for more information.