How to Make a Home Insurance Claim for Roof Damage

Roofing Insurance Claims for Storm Damage in Ogden, UT

Homeowners insurance will cover roof damage repairs after a storm, but the amount of coverage you have depends on your policy, the size of the roof, the roofing materials used, and your location. When you file a roofing insurance claim for storm damage, you want to do it as quickly as possible so you don’t risk further damage occurring to your roof while you wait. Most homeowners insurance policies also give you a strict deadline for claiming a roof on homeowners insurance.

At SRD Roofing, we have extensive experience working with homeowners insurance companies on roofing insurance claims for storm damage in Ogden & Brigham City, UT. We can help you navigate the complicated process of filing a roof replacement insurance claim, so it isn’t as stressful for you and the work gets done as quickly as possible. Our goal is to help homeowners get emergency roofing repairs and roof replacements done as quickly as possible after a storm, and try to help them get as much covered as possible by their roof insurance claim. If you’ve been trying to figure out how long you have to file an insurance claim after a storm, or how to make a homeowners insurance claim for roof damage, keep reading. Then give us a call to request an estimate for the cost of roof repairs or roof replacement.

Types of Roof Damage Your Homeowners Insurance Covers

You need to review your policy to determine what types of roof damage you can include when claiming a roof on homeowners insurance. You don’t want to waste time filing a roofing insurance claim for storm damage that is not covered by your policy. Find out if you can file a roof replacement insurance claim or if the policy only offers cash value. Most policies cover sudden, accidental roof damage caused by events out of your control, like wind, fire, hail, and the weight of snow. If the lifespan of your roof is shortened due to storm damage, you might be able to file a roof replacement insurance claim. Most homeowners insurance policies limit what roofing materials can be used for making roofing repairs under a roofing insurance claim for storm damage. If the cheaper materials aren’t available, your insurance company may decide it’s in their best interest to replace the entire roof.

Assess and Document the Damage

In order to support the cost of roof repairs or roof replacement when claiming a roof on homeowner’s insurance, you need to prove the severity of the roof damage to your insurance company right away. Otherwise, you’re giving them room to only cover partial damages, because they will claim the damage got worse because you didn’t seek roofing repairs right after the storm. Walk around your entire house taking photos and videos. Get documentation of damage to the whole house and surrounding areas, not just the roof. Get up on a ladder and make sure you get close-ups of damage to your gutters, fascia, eaves, soffits, shingles, tiles, chimney, security cameras and lights, and everything else.

Get an Estimate for Roof Repairs or Roof Replacement

Next, contact a roofing contractor who has experience working with homeowners insurance companies on claiming roofs on homeowners insurance. You should also find one who specializes in emergency roofing repairs, because they are likely to respond faster. The sooner you start the process of filing a roof insurance claim, the easier it will be. Your roofing contractor will evaluate the condition and safety of your roof, and give you an official estimate for the cost of roof repair or roof replacement so you can provide it to your homeowners insurance company.

Document Communication About Your Claim

Make sure to document all of your communication when claiming a roof on homeowner’s insurance. Save all emails to and from your insurance adjuster, and all copies of invoices, estimates, contracts, bills, and receipts so you have proof of damages. If you have to pay for anything out of pocket, save those bills and receipts as well. If you talk to your insurance adjuster or roofing contractor via phone, make note of the date and time of the calls, and detail what was discussed.

Call SRD Roofing for a Free Estimate for Roof Repairs in Utah

If your roof was damaged in a storm and you’re ready to file a roofing insurance claim for storm damage in Ogden or Brigham City, UT, call us today at SRD Roofing. We will do an in-depth roof inspection to evaluate the condition of your roof and determine what roofing repairs you need. We can also help you navigate the complex process of working with your homeowners insurance company on your roof replacement insurance claim. Call us today or contact us online to request a free estimate for roof repairs.