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Experiencing serious damage to your roof can be incredibly stressful, especially if you’ve never worked with your insurance company to process a similar claim in the past. The process of going back and forth between an insurance adjuster and your roofing contractor can quickly become a daunting task. However, the good news is that it doesn’t have to be. With a little know-how, you can help ensure that your insurance claim is processed without any issues.
Take Action Quickly
It’s incredibly important that you contact both your insurance company and an experienced roofing contractor as soon as you notice that significant damage has occurred on your roof. Keep in mind that if there is visible damage to the outside of your roof, chances are that the structure below could also be damaged as well. After you make your phone calls, you should take as many photos as you can to document the damage. In the event that you need a contractor to start work on your roof right away, but your insurance company cannot get a claims adjuster out immediately, photos can help move the process along more quickly.
Another reason why photographs are important is that it will give your insurance company a first look at the damage in question. They may be able to tell you right away whether or not you’ll be covered. Depending on what type of coverage you have, there may be limitations to what you’re covered for. For example, if damage due to the age of your roof is typically not covered. However, damage due to a large storm may be.
In addition to photographic evidence, you will also want to keep track of any paperwork you receive from your roofing contractor. This includes the results of their initial inspection, the bid for the repairs, and any invoices that follow. Your insurance company will need detail records such as these to ensure that your claim is paid in a timely manner.
Choosing the Right Contractor
Not all roofing contractors are created equal. At the very least, your insurance company will require you to work with a licensed and insured contractor. Hiring an unlicensed contractor could keep you from getting your claim paid out. However, aside from that, it’s important that work with a contractor that has experience working with insurance companies. At Oak Hills Roofing, we have worked with many different insurance companies throughout the years. We have the experience necessary to make sure your claim process moves smoothly.
Choosing the right contractor will also ensure that your roof is repaired as professional and quickly as possible. Remember, the longer your roof remains damaged, the longer the underlying structure is exposed to the elements. A damaged roof opens you up to further issues such as water damage, mold, and pests.
If your roof has experienced significant damage, contact the roofing expert at Oak Hills Roofing. We can quickly dispatch one of our professional contractors to your home. Our team will help you get your insurance claim underway without delay.