5 Things To Be Aware of When Working With Home Insurance

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Finding roof damage after a storm is definitely disappointing. Especially if you are a new homeowner and it’s your first time dealing with roof repair insurance claims, you probably have a lot of questions and concerns about your homeowners insurance. It's true: this process can be really confusing and overwhelming. Here are five crucial things that every homeowner needs to know about home insurance.

1.Be cautious about who you work with

The uncomfortable truth is that there are a lot of roofing and insurance companies that don't necessarily have your best interest in mind. Some companies take advantage of this confusing process to scam homeowners who are desperately looking for a solution to their roofing problem. That's why you need to be extra cautious when choosing your home insurance.

2. Don't sign anything in advance

As we said earlier, not every company on the market truly wants to help you. Some companies may want to make you sign the contract even before they will inspect the roof and file roof repair insurance claims. This might be a sign of fraud. Good roofing contractors usually provide free inspections before working with your homeowners insurance. They will only ask you to pay after your roof repair insurance claims are approved.

3. Your insurance adjuster approves your claim

The first thing you should do if you suspect roof damage is to call your homeowners insurance company. They will either send out an insurance adjuster or tell you to call a roofing contractor to schedule an inspection. But remember, the insurance adjuster is the only person who can approve your roof repair insurance claims. A roofing contractor inspects your roof for storm damage and advocates for you during the home insurance adjuster’s inspection. The insurance adjuster always has the final say.

4. Insurance adjusters make mistakes

Insurance adjusters make mistakes, and even if they do - don't panic. Most of the time, they will spot storm damage, but sometimes they make a mistake and deny your roof repair insurance claims. There are ways to double and triple check your roof if the home insurance adjuster denies your claim. The best way to get a second opinion is to ask for a second adjuster to come over and inspect your property.

5. You get to choose your own roofing contractor

The good thing about your homeowners insurance is that you get to choose your own roofer to perform repairs. Use this opportunity to do your research and choose the best one.