Finding out that your roof needs repair is a harsh reality many homeowners face. The process of getting a your roof repair often comes with a variety of obstacles and uncertainty. In fact, many homeowners are still in the dark about filing a claim with their insurance. It’s no secret that the process of dealing with an insurance company can be a stressful experience. From talking with adjustors to waiting for reimbursement for work done on your roof—the roof repair process can seem daunting. Do you know if your roof is covered under your homeowner’s insurance policy?
Most insurance policies take the age of your roof into account when you make a claim. So if you have a relatively new roof (less than ten years old), your insurance might cover the full cost of your roof repair. If your roof is older than ten years old, your policy might only be able to reimburse you for a portion of your roof’s cost. Not all homeowner’s policies are created equal, so it’s best to find out what policy covers. The easiest and quickest way to know what is covered by your homeowner’s insurance is to contact your insurance provider directly.
How To File A Claim For Roof Repair
The necessity for roof repair in Prairieville is a common need. Louisiana is subject to a variety of weather events year-round that can lead to roof damage. If you’ve experienced roof damage, you have to file a claim with your homeowner’s insurance company. Navigating the process can vary from firm to firm, but usually the steps include the following:
Document The Damage
Documenting the damage is the first and one of the most critical stages of the process. Be sure to take as many pictures of the damage as possible. If you can, take photos of what caused the damage to your roof as well. The insurance company will want a complete picture of what happened as well as evidence substantiating your claim.
Contact Your Insurance Company
Contact your insurance company as soon as possible and let them know about the damage done to your roof. Be sure to let the insurance company know about the cause of the damage as well. Your insurance plan might not cover some forms of damage.
File The Paperwork
This is a no-brainer. The filing process for insurance claims might have a paperwork aspect to it. But typically in this day and age, a lot of the process is accessable online. Although, this is all dependent on your insurance company. Make sure to fill out ALL the forms required for your claim. Some claims are lost based on technicalities with paperwork deadlines submissions. It would be unfortunate if that happened to you.
Save All Your Receipts
You never know when you need to pull up old documents. Save any documentation that lists costs pertaining to your roof repair or replacement. But, avoid having a professional do any work until the insurance company approves your claim. Some insurance companies only work with specific contractors in your area. Also, here’s a helpful tip: if your home is uninhabitable and you have to stay in a hotel, your insurance company may reimburse you for your stay.
Understand Your Policy
On the off chance your claim gets denied, you need to understand your rights to an appeal. For example, your insurer might have made errors when it came to your claims case. Be ready to have an insurance adjuster to come by and inspect the roof in any case. Sometimes insurance companies send their own adjuster and can lowball your roof’s actual cost for repair. Be prepared to dispute estimates if you feel you’ve been wronged.
Ryson Is The Premier Roof Repair Company In Prairieville
It doesn’t matter if you’re in Prairieville or the surrounding areas—Ryson Roofing has served a large area of southern Louisiana for over 20 years. We know the process of dealing with the insurance company can be long and frustrating. So, if you’re looking for a roof repair in Prairieville or the surrounding areas, contact or call us today. Also, make sure to take advantage of our completely free roof inspection! Our experts are standing by and are ready to help!