How Long Do You Have to File an Insurance Claim After a Storm

Roof Insurance Claims in Ogden & Brigham City, UT

When your roof sustains heavy damage in a storm, you’ll need to determine if you can make do with roofing repairs, or if you need a full roof replacement. You’ll also need to find out when and how you need to go about filing a roof insurance claim. This process doesn’t need to be complicated or stressful. At SRD Roofing, our experienced roofing contractors provide quality, skilled emergency roofing repairs after storm damage.

When you’re ready to file a roofing insurance claim for storm damage, call our team and we’ll assess the condition of your roof and provide an estimate for roofing repairs or roof replacement. Most homeowners insurance policies cover claims for storm damage to roofs, but the amount of coverage you have depends on your policy. The sooner you call your insurance company to find out what storm damage claims insurance coverage you have, the easier it will be to handle roof repairs. Give us a call right away to get an estimate for the cost of roof repairs or roof replacement so you can start working with your homeowners insurance company on your roof insurance claim.

How Waiting Too Long Affects Your Roof Insurance Claim

Different homeowners insurance policies have different rules regarding how long you have to file an insurance claim after a storm. Some give policyholders up to two years, while others require you to file a roof insurance claim within 180 days. You will need to contact your insurance company to find out what your policy requires so you can make sure you don’t forfeit your roof replacement insurance claim. The sooner you file a roof insurance claim, the better. The condition of your roof is only going to get worse over time, putting the safety and structural integrity of your home at risk. Roof damage can also affect your family’s health and safety and significantly reduce the value of your home.

When you wait too long to file a roofing insurance claim for storm damage, you’re giving your insurance company more reasons to try to unfairly deny your claim. They can say that if the damage was really that bad, you would have gotten it fixed right away. Or that they will only pay for partial repairs, as the problem would have been cheaper to fix if you had done it right away. In addition to deadlines for filing your roof replacement insurance claim, you’ll also need to meet other deadlines: notifying the insurance company of your loss, providing required documentation, and filing an appeal if they reject your claim.

Evidence You Need for Storm Damage Claims Insurance

You need to provide evidence and documentation when filing storm damage claims with insurance companies. The sooner you gather evidence and file your roof insurance claim, the fewer reasons your insurance company will have for denying it. You can protect your claim by gathering:

• Photos & videos of damage from multiple angles & viewpoints
• Lists of all damaged, missing, or destroyed items along with values
• Receipts for any items or furniture that was destroyed
• Estimates from roofing contractors, public adjusters, or any other contractors or repairmen
• Bills, invoices, receipts, or statements for emergency roofing repairs or other repairs
• Bills, invoices, receipts, or statements for emergency living quarters

You also need to save all written communication back and forth with your insurance company, and write down dates, times, and details of conversations when they happen over the phone.

Finding a Contractor for a Roof Replacement Insurance Claim

When you’re ready to file a roof replacement insurance claim, you need to find an experienced roofing contractor. Look for one that offers emergency roofing repairs, and has experience working with homeowners insurance companies on roofing insurance claims for storm damage. Ask friends or family to recommend a trustworthy, reliable roofing contractor. Check customer reviews and references, and ask to see a portfolio of completed roof repairs and roof replacements. Confirm the level of experience, as well as insurance and license. Then schedule a consultation to get an estimate for the cost of roof repairs.

How SRD Roofing Can Help

At SRD Roofing, we have decades of experience providing emergency roofing repairs and helping homeowners navigate claiming a roof on homeowners insurance. We offer fast, fair estimates for the cost of roof repair and roof replacement, and can help you gather the documentation you need to prove your roof insurance claim. We’ll also make sure we only use roofing materials that are included within your homeowners insurance policy.

Call Today if Claiming a Roof on Homeowners Insurance

If you have roof damage due to a storm and are planning on claiming a roof on homeowners insurance in Ogden or Brigham City, UT, call us today at SRD Roofing. We specialize in fast, reliable, and high-quality roofing repair and roof replacement services. We aim to get everything done as quickly as possible, while helping our customers navigate the process of filing a roof replacement insurance claim. Call us today or contact us online to get a free roofing estimate.