When you find out that your roof needs to be repaired or replaced and you have to submit a claim to your insurance company to help cover some or all of the cost, the process can seem frustrating. After all, your insurance company is in the business of making money, which means their goal is to pay out as little as possible toward your claim, while your goal is to get as much as possible to cover the costs. It’s best to get the help of a roofing contractor in Austin who has experience working with insurance claims and can guide you through the process. Here are some tips when you find yourself in this situation.
Review Your Policy Carefully
To find out if the damage your roof suffered is even covered by your insurance policy, the best place to start is by reviewing the policy and contacting your insurance carrier. Some policies will cover the actual value of your roof at the time it was damage (taking into account depreciation), while others cover “replacement” costs up to a certain amount, and what they will cover can vary depending on your coverage.
Keep Meticulous Records
From the time you discover the damage on your Austin roofing, it’s vital that you document everything in detail with photos, videos, and a paper trail. Keep all your receipts, take pictures of the damage, take notes or get written confirmations from every phone call you make discussing the subject. These can all prove important in getting as much as possible from your insurance.
Get Help From Experienced Contractors
Some roofers are better than others when it comes to damage covered by insurance. It’s best to work with an Austin roofer who has experience in working with insurance companies and knows what paperwork is needed, how to get estimates, and how to work with adjustors and others through the process.
Most importantly, don’t wait after you discover roofing damage—the sooner you contact your insurance and a roofing contractor, the more likely you can get the damage covered by your policy and you will avoid additional damage that could come from waiting too long to get the repairs done.