After storm damage affects the roof on your Round Rock home, your first priority is to get it fixed as quickly as possible in order to prevent additional damage to your home. Unfortunately it’s also a time when the process might be slowed by trying to deal with your homeowners insurance company. Here are some tips to help you work through the insurance process so you can get your Round Rock roofing fixed as quickly as possible.
Know What is Covered
Before a storm hits, it’s always a good idea to know exactly what your homeowners insurance policy covers. Taking some time to read through the fine print of your policy can help you be prepared to file a claim for things that will be covered. The most common weather-related damages that homeowners insurance will repair include:
- Water (not flood-related)
The wrong time to wonder whether something is covered is when you have a gaping hole in your Round Rock, TX roofing that is leaking water into your attic. Understand your policy in advance and make sure the coverage is adequate for your climate and your needs.
The insurance company will often try to pay out as little as possible on a claim—after all, they are a business and their goal is to maximize profits. For that reason it’s important that you keep accurate and detailed documentation of all the damage. If you need to make any changes to the area before an insurance adjuster arrives—for example, if there is a hole in the roof and you cover it to prevent water leaks—be sure to take numerous photographs and video (if possible) so you have visual evidence of the damage before you made any changes.
In addition it’s good to have documentation of previous inspections and repairs made by Round Rock roofing contractors. These help show that the roof was in good condition prior to the storm and the damage that resulted was because of the storm.
Ask For Help
Many people find that it’s frustrating and difficult to work with insurance companies for their Austin roof repair. Rather than dealing with the hassle, ask for help from professional roofers in Round Rock, TX. They have experience dealing with insurance companies and can help you clearly outline the damage for the adjuster, file the claim and fill out all the right paperwork, and follow up with the insurance to get as much of the damage paid for as possible with minimal out-of-pocket expenses.