5 Key Things About Insurance Claim Process
1. Filing the covered loss can be muddy and confusing
Roofing and insurance companies may not always have your best interests in mind. The insurance process can be complex and some companies may try to take advantage of you. Not all, but some might.
Trust your gut and protect yourself from potential scams when you are under stress and not thinking clearly.
PRO TIP: Do not hire the roofer who knocks on your door. Chances are high it’s a scam. They are storm chasers.
• Do not give them a credit card or cash
2. Avoid signing any paperwork until your insurance claim is approved
Some roofing companies may pressure you to sign something before inspecting your roof, trying to lock you into a contract. This is a red flag.
A reputable roofing company will guide you through the insurance process and assess your roof honestly without any upfront commitments.
3. Only the insurance adjuster can approve your roofing damage
A roofing contractor can inspect for blown off shingles and advocate for you. They can provide pictures and explanations to support their findings.
However, the adjuster has the power to approve the claim, even if the contractor is certain of a roof replacement.
4. Insurance adjusters may deny your claim
Adjusters can sometimes miss damage, leading to denied claims. Don’t worry if this happens, simply ask for a second adjuster to inspect your roof.
If they also deny the claim, consider hiring an engineer to prove to your insurance company that the roof needs to be repaired or replaced due to storm casualty or hail damage.
5. You have the right to choose from certified roofing contractors
After your claim approval, you can choose any local roofing contractor; usually from a list of quality companies who have manufacturer certification or training.
PRO TIP: Avoid seeking multiple quotes for the lowest price, as the insurance company sets the price after approval.
Do your research and talk to multiple roofing companies to find the right one. Choose a contractor who offers high-quality work and supports you during the insurance process.
