Roof damage: Should I Call a Roofer or Insurance First?
During a calm, rainy evening, you and your teenager are playing a board game by the window in stormy weather. All of a sudden, you're surprised by a loud noise as the roof, which has a leak, breaks, and water starts dripping into the room. Given the unpredictable weather, you'd need to patch it up quickly. Your mind races through the next steps, whether to call the roofer or insurance first.
Calling a roofing contractor probably seems logical as they can provide an immediate assessment of the damage and perhaps offer a temporary fix until a more permanent solution can be determined. However, another important aspect to consider is applying for
roofing insurance claims for storm damage. If you're hoping to get insurance coverage for the damage, having clear evidence of the extent and cause of the damage would be crucial.
Navigating the complexities of roof repairs can be challenging for homeowners. We've created this guide to help clear any uncertainties you might face. Read on, and by the end, you'll have the answer: "Should I call a roofer or insurance first?"
When You Approach Your Roofing Contractor First
Seeking the expertise of a roofing contractor before reaching out to your insurance company can offer an unbiased, detailed evaluation that remains unaffected by the terms of your insurance policy. They will provide you with a comprehensive report of their findings, which can be shared with the insurance adjuster.
A distinct advantage of consulting a roofing professional is their ability to identify damage you might have overlooked. Issues like storm roof damage can grow into larger complications down the line, and it's essential to ensure your insurance doesn't overlook them when determining coverage.
For many, a roof inspection is a prerequisite for a roof warranty. Annual inspections are often a stipulation, with an additional check needed for post-weather-related damage. The sequence of reaching out—whether to the contractor or the insurance first—can influence the time taken and potential costs involved in the repair process
When You Approach Your Insurance Provider First
If you've already addressed weather-related roof damage without prior approval, will your home insurance still cover it? Unlikely. They are not responsible for repair expenses that haven't been pre-approved. Many insurance providers mandate that they be the primary point of contact in the event of any damage. It's like you are seeking repairs for your car; you wouldn't approach a mechanic without first notifying your auto insurance. Right?
Before any official inspections, ensure you thoroughly document the extent of the storm's impact on your roof. While you should implement minor remedies to avoid additional harm, make sure to incorporate these problems in your documentation. Aim for precision and comprehensiveness in detailing the damages.
Following this, it's essential to work with your home insurance provider. Typically, they'll contribute towards the costs associated with the roof damage, thereby alleviating some of the repair expenses. Though your insurer might instruct you towards contractors within their network, potentially leading to savings, you're generally at liberty to opt for a roofing contractor of your preference.
Can the Contractor and Insurance Adjuster Assess the Roof Simultaneously?
A common challenge when interacting with insurance providers is the waiting game. Don't expect them to dispatch an adjuster immediately after your call. When you file a claim, it might take a handful of days to get a response and even longer for an adjuster to visit.
Conversely, many roofing contractors offer same-day services for urgent requests. If a storm has left a gaping hole in your roof, they're equipped to quickly patch it, ensuring you're shielded from further weather issues while they organize materials for a permanent fix.
In certain scenarios, a smart approach is to ring up your insurance provider and a trusted local roofing contractor. This way, the contractor can gauge the damage and start roof repairs while you figure out the details of the
roof damage insurance claim process with the insurance team.
Do Roofers Know What Insurance People Will Check?
A major plus that will clear the answer to “Should I call a roofer or insurance first?” is that roofers often know what the insurance provider will look for. The top three things the insurance checkers usually see are:
If the Roof Was Put on Wrong
If your roof isn't installed correctly, it can cause big problems that might cost your insurance company a lot of money. An insurance adjuster can spot if a roof isn't set up properly. This can be a problem for you if there's damage from a storm. That's why picking a good roofing person is important when you need a new roof or fixes.
Clear Signs of Roof Damage
Storm damage can often be easy to locate, but some roof problems might be harder to notice. If your roof was already damaged before a storm, the insurance provider will figure it out. This might make it harder for you to apply for roofing insurance claims for storm damage.
How Long Ago the Roof Was Put Up
If your roof is over 10 years old, it might not hold up well in bad weather. Older roofs can get damaged easier than new ones. Because of this, some insurance companies might not want to cover you. If they cover you, they might not be as helpful if you ask them to pay for damages.
Conclusion
Hopefully, now you have the answer to the question, "Should I call a roofer or insurance first?" If your roof gets damaged, it's best to call a roofing expert first. A roofing contractor knows better about roofs and can check them better than an insurance provider. Plus, a professional roofer might see things that need fixing that the insurance might miss. The key is to talk to your roof expert and insurance company.
You can also reach out to the
roofing experts at Roof America. We help explain any price differences and tell you how the repairs will work in compliance with roofing insurance claims for storm damage. This makes it easier for you to know what you're paying for. Our
affordable roofing company makes it easier to restore your residential or
commercial roof without any hassles.
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