The bad news is your roof has suffered damage and needs repair work, or needs replacing. The good news is your homeowner’s insurance policy typically covers repairs and replacement in most situations.
Nonetheless, dealing with roof damage – whether it’s damage caused by harsh weather, fire, vandalism, etc. – is an often stressful time, and includes filing your insurance claim.
But there’s more good news: there are things you can do to make sure the process is as anxiety-free as possible.
Work With a Reliable Contractor
Working with a reliable, trustworthy contractor is essential to having a stress-free insurance claim process. A good contractor is there to help you in every way and can handle the entire claim process or provide assistance.
Get the Ball Rolling
Taking fast action will reduce your stress and ensure there’s no delay in roof repairs or a replacement. Your first move is to call your insurance provider and your roofing contractor to kick-start the process. A roof replacement is, after all, a significant undertaking and a sizable expense. You don’t want to waste time.
Understand What’s Covered
You’ll have less anxiety if you understand what your insurance provider covers. That includes knowing your deductible, which is the predetermined amount you’ll pay during an insurance claim. Your insurance company pays the rest, but it’s important to note your roof may have a different deductible than other things covered by your homeowner’s policy.
Most homeowner policies cover damage caused by events the homeowner has no control over, such as weather and fire damage, or vandalism.
Schedule an Appointment With Your Insurance Adjuster and Contractor
Your insurance adjuster will inspect your roof’s damage before deciding what’s covered and what they’ll pay. Make sure your roofing contractor is on hand at the same time because they may notice issues overlooked by the adjuster. Those issues may include subtle damage which may seem minor now but can lead to more extensive damage in the future, such as water leaks.
Schedule Regular Inspections
Regular roof inspections by a trustworthy contractor not only help ensure your roof’s longevity but also shows your insurance company you’ve taken the proper precautions to maintain your roof.
If your roof has been damaged, call Accord Construction of Oklahoma City. They provide exceptional service and are highly-trained in the insurance claim process.