Replacing a roof can be one of the most significant expenditures homeowners face. Fortunately, insurance can help cover the costs if the damage is due to a covered peril.

Our blog post will walk you through the steps you need to take to get your insurance company to pay for roof replacement including:

• Understanding what is and isn’t covered
• The steps in the insurance claim process
• Common mistakes

Understanding Your Insurance Policy

Before you file a claim, it’s crucial to understand what types of roof damage your insurance policy covers:

• Storm Damage: This includes damage from hail, wind, and heavy rain. Most standard homeowners’ policies cover these events.
• Fire Damage: Fire is generally a covered peril in homeowners’ insurance policies.
• Falling Objects: Damage caused by falling objects, such as trees or branches, is typically covered.
• Water Damage: Water damage due to storms may be covered, but not damage from lack of maintenance.

Types of Policies

Your insurance policy type will also affect what is covered:

• Actual Cash Value (ACV) policies cover the depreciated value of your roof.
• Replacement Cost Value (RCV) policies cover the cost to replace your roof without factoring in depreciation.

7 Steps to Get Insurance to Pay for Roof Replacement

The insurance claim process can feel overwhelming, but if you follow these steps it won’t be!

Step 1: Document the Damage

The first step in getting insurance to cover your roof replacement is to document the damage thoroughly:

• Take Photos and Videos: Capture high-quality images and videos of the damage from multiple angles.
• Keep Records: Maintain a record of any immediate repairs that were necessary to prevent further damage, along with receipts.

Step 2: Review Your Insurance Policy

Understanding your policy is essential. Look for the following:

• Covered Perils: Identify which types of roof damage are covered.
• Exclusions: Be aware of any exclusions that could prevent your claim from being approved.
• Deductible: Know the amount you are responsible for before your insurance kicks in.

Step 3: Contact Your Insurance Company

After documenting the damage and reviewing your policy, contact your insurance company:

• Report the Damage: Call your insurance provider to report the damage and start the claims process.
• Provide Documentation: Submit the photos, videos, and any other evidence you have collected.

Step 4: Get an Estimate

Your insurance company will likely send an adjuster to assess the damage. In addition:

• Hire a Professional: Consider hiring a licensed roofing contractor to provide an independent estimate.
• Compare Estimates: Compare the insurance adjuster’s estimate with the independent contractor’s estimate.

Step 5: Meet With the Adjuster

When the insurance adjuster arrives:

• Be Present: Ensure you are present during the adjuster’s inspection.
• Ask Questions: Don’t hesitate to ask questions and provide additional information that may support your claim.

Step 6: Follow Up

After the adjuster’s visit, follow up with your insurance company:

• Get Everything in Writing: Ask for written confirmation of what will be covered.
• Clarify Next Steps: Understand what additional information or steps are needed to move forward.

Step 7: Resolve Disputes

If there are discrepancies between the adjuster’s estimate and the contractor’s estimate:

• Submit Additional Evidence: Provide more documentation or another independent estimate.
• Consider Mediation or Appraisal: If you cannot reach an agreement, consider mediation or an appraisal to resolve the dispute.

Tips for a Successful Insurance Claim

Want to make sure that your claim is accepted? Follow our tips for success.

Keep Detailed Records

Maintain detailed records from the moment damage occurs:

• Emails and Phone Calls: Document all communications with your insurance company.
• Receipts and Invoices: Keep all receipts and invoices related to repairs and replacements.

Understand the Claims Process

Familiarize yourself with the claims process:

• Timelines: Be aware of the timelines involved in filing and processing a claim.
• Insurance Jargon: Understand the terminology used in your insurance policy to avoid misunderstandings.

Hire a Public Adjuster

Consider hiring a public adjuster if you encounter difficulties:

• Expert Assistance: They can help guide you through the claims process and negotiate with your insurance company on your behalf.
• Fee Structure: Public adjusters usually charge a percentage of the claim amount, so discuss fees upfront.

Common Pitfalls and How to Avoid Them

Avoid these common mistakes in order to get a fair deal from your insurance company.

Not Reading the Fine Print

Many policyholders fail to read their insurance policies thoroughly, leading to misunderstandings about coverage:

• Understand Exclusions: Be aware of what is not covered.
• Know Your Deductible: Understand how much you will need to pay out-of-pocket.

Delaying the Claim

Timeliness is crucial in the claims process:

• File Promptly: File your claim as soon as possible after the damage occurs.
• Meet Deadlines: Adhere to all deadlines set by your insurance company.

Poor Documentation

Inadequate documentation can lead to claim denials:

• Be Thorough: Document every aspect of the damage and repairs.
• Organize Evidence: Keep your documentation organized and easily accessible.

Accepting the First Offer

The first offer from your insurance company may not always be the best:

• Negotiate: Don’t be afraid to negotiate if the initial offer seems insufficient.
• Seek Expert Opinions: Consult with a roofing contractor or public adjuster for additional insights.

Supporting You In Your Roof Damage Insurance Claim

Getting insurance to pay for a roof replacement can be a daunting task, but it’s not impossible. Remember, your insurance policy is a contract. Understanding its terms and conditions and adhering to its requirements can make all the difference. If you need further assistance, don’t hesitate to seek professional help.

If you’re navigating the insurance claims process and need expert advice, consider speaking with one of our experienced consultants at Springfield Roofing. Schedule a free consultation today and ensure you get the coverage you deserve.