What Should You Do When You Need To File A Storm Damage Insurance Claim?

PINNACLE BLOG - What Should You Do When You Need To File A Storm Damage Insurance Claim?

Mother Nature can sometimes shake things up a little and cause damage to your roofing system. If your roof didn’t weather the last storm as well as you hoped it would, you’d want to learn a few tips on how to file an insurance claim successfully. Overall, your homeowner’s insurance should reimburse you the cost of roof repair or replacement if it’s damaged by a covered peril such as high winds, rainstorms, or hailstorms. Here are the steps to take when you need to file a storm damage claim:

1. Know What Your Insurance Covers 

Go over your insurance policy to see what is covered and what isn’t. In most cases, a typical homeowner’s policy covers damages caused by sudden and accidental events such as windstorms, hailstorms, etc. It also covers other incidents beyond the homeowner’s control, such as theft, vandalism, fire, etc. Each policy is written differently, and coverage limits may vary widely. Be sure to contact your insurance agent if in doubt. Also, note you’ll need to pay your policy deductible before your insurance kicks in.

2. Survey Your Roof and Document Damage

Know what to look for when you survey your roofing system from the ground level. Have your camera or phone ready to take pictures of the damage for both your contractor and insurance provider. Document your loss by keeping the details of damaged items and receipts for any purchases and labor costs for temporary restoration. Many insurance companies will ask you to submit an accurate inventory of the items.

3. Have the Contacts of A Trusted Roofer Handy

It’s always wise to have the name and number of a trusted roofing contractor handy. If your roofer has been conducting regular maintenance on your roof, you’ll have the bonus point since they know your roof inside out. Your roofer will also conduct a thorough roofing inspection and provide a precise estimate of what it will cost to restore your roof. 

4. Choose A Dependable Roofing Contractor

When choosing a roofing contractor, go for someone local and trustworthy. A good roofer should also work with your insurance company and be on hand when your insurance adjuster arrives. Additionally, an experienced roofer will often work with the adjuster on what repairs or replacements must be done and will have the knowledge and expertise to explain why.

The Bottom Line

Storm damage can occur at the most unexpected of times. Always have the contacts of a roofing contractor who offers emergency roof repair and replacement to be on the safe side. By following these steps, you’ll be better prepared to act like a pro whenever storm damage occurs. At Pinnacle Roofing, we specialize in emergency roof repairs and replacement in the Capital Region of New York and Southern Vermont. Contact us today to schedule a free roofing inspection or get help with storm roof repair through insurance claims!