How To File Roof Replacement Insurance Claims

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Now that you have identified and documented all the roof damage that needs to be repaired you may begin working on your roof replacement insurance claims. First of all, according to your insurance policy, you need to schedule a visit by an insurance adjuster once your roofing contractor confirms the damage. Moreover, your contractor may wish to meet you and the adjuster at the time they visit your property. It is very important that they are present to point out areas of damage and concern to the adjuster.

Communicate with the adjuster during the visit

Don’t be afraid to ask your adjuster as many questions as you want. It’s essential that you understand the process of filing an insurance claim very well after the visit. You may even want to take notes. Ask them if the damage is covered by your insurance contract and how long the claim will take to process. After the adjuster inspects your property, the insurance company will check if the damage is included in the insurance policy and approve whatever roof work is needed. Meanwhile, your contractor will work with them to be sure the scope of work is understood by all parties.

The contractor will begin the work

Once all the roof job is approved by your insurance policy, your roofing contractor will set a time frame for work to begin and will start ordering the materials necessary. Now it’s your contractor’s responsibility to finish the repairs included in your insurance contract according to the agreed-upon schedule outlined in your roof replacement insurance claims.

Next, the contractor will contact your insurance company for any additional supplemental funds owned for the work they completed on your behalf. You will receive these funds according to your insurance policy and they will be paid by you to your contractor.

Last but not least

Roofing contractors only have influence over the assessment and estimate of damages. They do not have an opportunity to influence your insurance policy or insurance contract. If there is a gripe over roof replacement insurance claims, it’s a matter that the adjuster and the homeowner need to work through.

Overall, your roofing contractor, as well as your insurance company, want your new roof to be the highest quality and the insurance contract should reflect that. The same goes for your reputable contractor who is responsible for the high quality of your repairs.