If your home has been damaged by a storm and you need to have your roof replaced, you may be wondering if your insurance company will help pay for the cost. In most cases, insurance companies will help cover the cost of a new roof, but there are a few things you need to do in order to make sure you get the most out of your claim.
Contact Your Insurer Right Away!
First, you need to contact your insurance company as soon as possible after the damage occurs. Make sure you have all of your information ready, including the date of the storm and the damage that was done. Be sure to share any photos or videos you took. Also, be prepared to have a conversation with your insurance agent about what coverage you have and what options are available to you.
Every policy is different. Some people have full replacement coverage, and other people only have repair coverage. Make sure you find out from your insurer if you have replacement coverage. This will be critical.
Obtain Multiple Replacement Quotes
Next, you should get quotes from several reputable roofing companies. Make sure you get written estimates from at least three roofing contractors so that you can compare prices for labor and different roofing materials. Maybe, after this storm, you want to switch to an asphalt shingle roof? Tile and metal roofs are also quite durable. You need to get several quotes to truly know how much that new roof replacement will set you and your insurance back.
Once you have your roof replacement quotes, provide them to your insurance company and ask for help in selecting a contractor. Many insurance companies have preferred contractors who they work with regularly and will be happy to recommend someone to you.
If you’re in the Denver area, start your reputable roofing contractor search with Peak to Peak Roofing & Exteriors. They are your local roof repair and replacement experts. Get a free estimate for your roof replacement today by visiting their website. The team members at Peak to Peak Roofing & Exteriors are roofing replacement insurance claim specialists, so you won’t have to worry about a thing.
Keep Track of Your Expenses
Finally, make sure you keep track of all of your expenses related to the roof replacement. This includes roof installation costs, labor for the roofing companies and roofing contractors, roofing materials, and any temporary roof repairs that had to be made after the storm. Keep all of your receipts and documentation so that you can submit them to your homeowners insurance company as part of your roof replacement claim.
This may seem like the boring, tedious part of the roof replacement process, but it’s the most critical. Why? The reason is that you file a roof claim to get money to replace your roof. If you don’t keep track of the cost for roofing materials invoiced to you by your roofing contractor, then that sort of defeats the purpose of going through the trouble to file a roof replacement claim with your insurance in the first place.
To recap, the basic procedure to follow after your roof has been badly damaged by an unforeseen natural disaster is to contact your insurance right away, share any photos, videos, or information you have about the damage, figure out what your policy covers, obtain replacement quotes from at least three contractors, and keep track of any receipts or expenses you incur along the way to submit with your claim. By following these steps, you can ensure that you get the most out of your insurance claim and that your roof is replaced quickly and efficiently.
Don’t forget to get your free inspection from the local Denver roof repair company, Peak to Peak Roofing & Exteriors. Their experienced professional roofing contractors will make the roof replacement process quick, easy, and affordable. Don’t wait, call them today!