These are some good guidelines for you to watch as your new roof is installed. Make sure to talk to your roofing consultant about every part of the process. A top roofing company will be proud of the way they install your roof. Only poor roofers hide their install process and do not want you to see it nor do they like questions about how they roof. Roof Crafters welcomes questions and loves to show and talk about the proper way to install a new roof.
Roofs need to have weather resistance during construction. Even the best ones cannot remain damage-free when bad weather comes to town. Hurricanes and other extreme weather conditions can damage roofs and cause leaks, broken shingles, etc.
The homeowner must then determine what damage has occurred before submitting an insurance claim. Determining the type of damage requires a professional estimate. It is possible that a seemingly huge issue might not be all that significant. In the same way, a few broken parts may appear easy to repair. As it turns out, though, the damage may be beyond our ability to repair.
After determining that there is much to be fixed, contacting the insurance company, and preparing to file a claim is the next logical step.
Homeowners must now factor in the deductible they’ll be required to pay if their claim is approved. As a result, they need to determine if the total cost of the repair will be more than that amount before going through the whole process.
Our premiums won’t be affected if we file only a certain number of insurance claims. An insurance company may be suspicious if we file too many claims. It might not be necessary to file a claim if the roof only needs minor repairs. However, the only logical next step is to remove the debris if the damage is severe.
Insurance companies can reject claims if they deem the damage could have been prevented. This isn’t the case in some situations, such as high winds and hail. The insurance company could reject a claim if we had low-hanging branch damage our roof, but we had a chance to trim it before the damage occurred. We would not accept the claim if anything we could have prevented occurred, such as termite damage, leaky pipes, or mold.
What should they do when a homeowner realizes the damage is severe but isn’t knowledgeable enough to prove it? Getting the right roofing contractor is crucial then since he or she can prove to the insurance assessors that you are entitled to a full settlement. Oh, and while we’re at it…
As soon as the insurance company receives the assessment, it will send the claim estimate. Reviewing this estimate and seeing if something is wrong is of the utmost importance for both the homeowner and the contractor. In general, getting the estimate changed before the roof is even touched is always a good idea. A homeowner will know they are fully covered, giving them peace of mind.