Dealing with roof damage can be stressful, but knowing how to manage the insurance claim process can make all the difference. Follow these steps to ensure a fair and timely settlement.
1. Document the Damage Immediately
Once safety is secured, documentation is your top priority.
- Records: Take detailed photos and videos of the damage from different angles—both exterior and interior. Note the date and time of the incident (e.g., wind, hail, falling tree).
- Emergency Measures: Take reasonable steps to mitigate further loss, such as covering the damaged area with a tarp. Keep all receipts for these emergency costs, as they may be reimbursable.
2. Notify Your Insurer Promptly
Do not delay in filing your Notice of Claim. Time is often critical.
- Agent/Company: Contact your insurance agent or the company’s claims center as soon as possible.
- Policy Details: Have your homeowner’s policy number ready. Understand your coverage, especially your deductible and any exclusions (like damage from wear and tear).
3. Meet the Adjuster
The insurer will dispatch an insurance adjuster to assess and estimate the damage.
- Be Present: Try to be present during the adjuster’s inspection to point out all the damage you documented.
- Contractor Estimate: Consider getting a detailed repair estimate from a licensed roofing contractor beforehand. This gives you a baseline for comparison with the adjuster’s assessment.
4. Review the Settlement Offer
After their assessment, the insurer will issue a claims report and a settlement offer.
Negotiation: If you disagree with the scope or the valuation, you have the right to negotiate and provide additional evidence, such as the detailed report from your trusted contractor.
Scope of Work: Carefully compare the insurer’s estimated scope of work with your contractor’s estimate. The payout should cover the cost of repair or replacement, minus your deductible.
