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Roof damage is one of the most popular reasons why homeowners use their home insurance. Your roof protects your home from a variety of damaging elements: wind, hail, storms, electrical fires, falling limbs, heavy snowfall, moisture intrusions, and damage caused by pests. But the good thing is that your homeowner's insurance will most likely cover most of the reasons for roof damage. Some homeowners don't know how to file roof repair insurance claims. In this article, we will give you a few tips on how to begin a process of filing roof repair insurance claims.
Homeowners Insurance vs. Warranty
A warranty usually comes with the home materials your ever purchased for your house. The warranty is often already included in the cost of materials; however, an extended warranty should be purchased separately. The difference between the warranty and home insurance is that the former usually covers defects and abnormal wear, but typically do not cover the cost of repair caused by strong winds, hail, fire, lightning, and other natural disasters which are usually covered by your home insurance. To make the most out of your homeowner's insurance when the damage occurs, you need to file roof repair insurance claims as soon as possible. Especially when there has been a big storm which means that hundreds of other people will be filing roof repair insurance claims, so you'll want to get yours in ahead of others to begin dealing with your roof damage as quickly as possible.
Find a good roofing contractor
When you face roof damage, its important to find a good roofing company before you begin working with your homeowner's insurance. You need to decide what roofing contractor you're going to be working with. Consider their experience in roof repairs and replacements. If they also know how to file roof repair insurance claims, that's a big advantage.
Schedule your roof inspection and make temporary fixes
Before you begin working with your homeowner's insurance company, you will need to have a roofing contractor inspect your roof completely and identify all hidden and obvious signs of roof damage. It's essential that they document the damage before they even touch it. Make sure they take plenty of photographs in order to build a case for your homeowner's insurance company. Only after all damage is documented can the contractor begin working on your roof.
We are going to discuss further steps in our next article. Make sure to check that article for information about roof repair insurance claims.