The roof is integral to your home and is covered under homeowner’s insurance. But nearly 50% of homeowners don’t know what their insurance policy covers.
Insurance companies always try to make better deals for themselves. As a homeowner, you need to know how to make it a better deal for you. Read this blog to learn a few tips to maximize roofing damage insurance claims before you call to file a claim.
1. Understand Your Policy
Make sure you understand the basics of what’s covered under insurance. Your insurance is mostly disaster-related and will not cover normal wear and tear. It’s the homeowner’s responsibility to conduct regular maintenance.
If your roof was not properly maintained before a storm damages the roof further, you might not get full compensation. It’s also possible that your home insurance does not cover wind and hail damage because they account for 45% of damage claims.
Review your latest insurance policy in advance. This will equip you with all the information you need so that you don’t end up asking for the wrong things.
2. Get an Estimate
Call a roofing company expert to assess the damage. Ask for an estimate of the replacement costs. Be sure to have the expert write the estimate for you on their company’s letterhead and keep this written document safe.
This prepares you for the insurance adjuster. You can cross-compare to determine whether the quote that the adjuster gives you is an underestimate.
3. Get Done with Temporary Fixes
Any extra damage occurring because you failed to fix the initial damage on time might also reduce your reimbursed amount. So you must make those required repairs while making sure they are not too costly.
The costs of these mini-repairs are also covered so you should keep a log of the receipts and then submit them with the claim.
4. Alternate Living Expenses
If your roof is extremely damaged to the point that it’s unsafe to live there, you might have to temporarily relocate. Your insurance covers all disaster-related expenses so you can get reimbursed for the living expenses incurred. This is why you must keep the receipts with you so you can submit them too.
If you’re looking to maximize insurance claims for your roof, we can help. At Quality Roofing, LLC, we can work and guide you to obtain the best insurance claims possible for your new roof installation Lincoln County TN. We also offer roofing services in Fayetteville and Lincoln County, TN.
Additionally, we offer drywall repair, gutter repair and installation, and more.
Contact us now to get a quote.