Has your roof suffered extensive damage from a storm? If so, you may qualify for an entire roof replacement through your insurance company.
Homeowners insurance allows you to receive funds to repair major house problems resulting from storms or other unexpected events. Following the proper claims process can ensure that you receive the most funds from your insurance company and that you are satisfied with the condition and quality of your new roof.
However, if you have never gone through the insurance claims process, you may not know where to start or what to expect. One way to alleviate stress during the roof replacement insurance process is to understand the process before filing your claim.
Read on to learn everything you need to know about the insurance claims process for a roof replacement.
What Roof Problems Does Homeowners Insurance Cover?
Most homeowners insurance policies only cover roof damage that is unexpected and unpreventable. As a result, these policies typically cover damage from perils such as:
- Wind
- Fire
- Rain
- Hail
- Snow
- Trees
The exact roof repairs that your insurance will cover will depend on several factors, such as the amount of coverage you pay for, the type of coverage you have, and which insurance company you work with. Calling your insurance company can give you better insight into your roof repair coverage.
Roof Replacement Insurance Process
1. Schedule a Roof Inspection
Your first step after you notice any damage to your roof is to schedule a professional roof inspection. This inspection can help you identify the extent of the damage and determine whether you need a repair or replacement. During an inspection, a professional roofer will inspect the damage, assess the condition and age of your roof, and determine any necessary repairs. After your inspection, the roofer will describe the nature of your roof damage and give you a repair estimate. You can use this information to determine whether you will submit an insurance claim for the damage or pay for the repairs yourself.
2. File a Claim
If your roof inspection reveals enough damage to warrant an insurance claim, your next step will be to call your insurer and file a claim. Your insurer will ask for more details about the damage to your roof and walk you through your next steps. They will then assign you an insurance adjuster to handle the remaining aspects of your claim.
3. Schedule an Insurance Adjustment
Next, your insurance adjuster will schedule a time to assess your roof damage and calculate a repair estimate. They will also review your policy and offer guidance about choosing the right contractor to complete your job.
4. Find a Contractor or Roofing Company
Some insurance policies include a “right to repair” clause that requires you to receive repairs through a contractor that your insurance company approves. Others will pay you a settlement that you can use to hire your own roofing company. In both cases, your next step will be to contact the roofing company and schedule a time for the contractor to complete the repairs.
5. Receive an Insurance Estimate and First Check
After your insurance adjustment, your adjuster will calculate a repair estimate and give you the first of two insurance payments. This payment will cover the cash value of your loss.
6. Begin Roof Repairs
Next, your contractor can start construction. High-quality contractors will work closely with your insurance company throughout the repair process to ensure that all of their materials and repair processes fall under your insurance coverage. If they do not, you may end up needing to pay for some of the repairs out of pocket.
7. Receive a Second Insurance Estimate and Check
Once the contractor finishes work on your roof, your insurance company will send you a check for the remaining costs of your repair.
8. Complete the Job
After your entire roof repair is complete, you can close the job with your contractor and insurance company and enjoy your brand-new roof.
Consider a Synthetic Roofing Material for Your Replacement
If you need a roof replacement, choosing the proper roof materials is an essential step in your replacement process. Brava Roof Tile products offer superior durability, aesthetic appeal, and sustainability compared to traditional roofing materials.
Our synthetic roof tiles can withstand the harshest weather conditions, preventing you from experiencing roof damage in the future. These tiles weigh less than slate, concrete, or clay, placing less burden on your house’s structure. Even better, our roof products are fully recyclable, so they won’t end up in a landfill down the line.
Contact Brava Roof Tile today at 844-290-4196 to learn more about our exceptional roof products and why Brava Roof Tile should be considered for your roof replacement.
