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Handling Insurance Claims for Roof Damage: A Simplified Guide | Himalaya Group

Handling Insurance Claims for Roof Damage: A Simplified Guide

Himalaya Group > Blog > Handling Insurance > Handling Insurance Claims for Roof Damage: A Simplified Guide

Blog excerpt: If you’ve experienced roof damage, your insurance company may help you fix it. Work with a reputable roofing contractor to make things go smoothly.

The Process of Filing a Roof Insurance Claim

If your roof has been damaged, take care of it as soon as possible to avoid further issues. You’ll need to get in touch with your insurance company as well as with a roofing contractor before any work gets started.

First Things First

If there’s a major issue with your roof, take steps to protect yourself and your property. You may need to cover things up with a tarp, collect water in containers, or remove things from the vulnerable area of your home, for example. If necessary, you may have to hire a company to tarp your roof.

Will Your Insurance Cover the Damage?

You’ll have to determine whether your roof damage will be covered by your insurance policy. Most insurance policies cover damage due to weather, falling objects, fire, and vandalism. Unfortunately, your policy probably won’t cover any damage due to wear and tear or maintenance issues. If you’re not sure what your policy entails, reach out to your insurance company for clarification.

Document the Damage

Take pictures to document the extent of the damage. Soon, your insurance company will do the same, but it’s a smart idea to take your own, just in case there’s a discrepancy.

Find Someone to Help You

Have a professional roofing company come out to your place to assess the damage and write a repair estimate. This is a very important step that can lead to a more accurate understanding of what has happened and how the problem can be remedied.

File Your Claim

Get in touch with your insurance company to file your claim. Shortly after you do this, a representative will be sent to your property. They’ll perform their own assessment and come up with a recommendation as to what needs to be done. Having a roofing contractor ready to advocate for your needs could possibly influence the insurance company’s assessment. Your insurance company will guide you from here, letting you know how and when funds will be sent. Note that each company may handle things slightly differently.

Act Fast

When you experience roof damage, make sure everyone and everything is safe. Then, take pictures, ask for help from a reputable roofing contractor, and reach out for guidance from your insurance company. If you need any assistance, contact the Himalaya Group.

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