When you are dealing with a costly roof repair, adding on the stress of the insurance claim process can be unpleasant.
Though it can seem difficult at first glance, this process isn’t as challenging as we often make it out to be.
To help make this claim process easier, we’re covering some of the most frequently asked questions today about having insurance pay for your new roof. If you still have some lingering questions at the end, the US Home Supplements team would be happy to help guide you.
Yes. After you’ve received an estimate on your new roof, you can submit a claim to your insurance provider.
When deciding how much money will be paid out on the claim, the insurance company will take into account a number of criteria.
One of the most important factors on the amount awarded is the age of your roof. As a rule of thumb, any roof that is older than 10 years may receive less coverage than a new roof, especially if it’s been poorly maintained.
If you ever need to make an insurance claim, maintaining your roof can be crucial to getting decent coverage.
The status of the claim depends on what caused the harm.
Insurance companies pay for damages that result from covered perils, including storms, fire, and even vandalism. The throughline here are things that are out of your control.
What about claims that result from your own carelessness or negligence? Your claim will likely be rejected if the need for a roof repair results from poor roof maintenance. To learn exactly what is covered by your policy, it is important to verify with the insurer.
Given that frequently filing claims can affect both your premiums and the payout, you should carefully decide whether to file a claim or not.
Improper filing can also run the risk of having your coverage canceled.
As a rule of thumb, if the projected cost of the repairs is less than your deductible, you should refrain from submitting a claim. It would be better to pay for the repairs yourself.
You might be better off not making a claim if you have any concerns about how insurance adjusters judge roof damage. If you think they might say repairs are necessary due to regular wear and tear or a lack of maintenance on your side, it could be better to pay out of pocket.
Furthermore, if you have filed a claim within the last three years, you should avoid doing so again. This can cause your insurance policy to be voided, while also making it more difficult for you to obtain insurance in the future.
If a storm has done severe enough damage to your roof, you may need to have it replaced.
Given that new roofs can cost as much as or even more than a new car, this can be a costly proposition. Make sure everything is in order when you submit a roof insurance claim so your provider will pay the entire price for a new roof.
Follow these procedures to see if you can submit an insurance claim for a new roof:
Because the claims process is an evaluation, there is always a chance that your roof insurance claim will be rejected after you've submitted it.
This happens when the repair expenses don't exceed your deductible or the damage isn’t classified as a covered peril. Your claim may also be rejected if you’ve recently filed other claims.
You do have the option to challenge the decision if your claim is rejected.
To file an appeal, you'll need to adhere to the steps outlined by your insurer. You might also wish to enlist the aid of a roofing business with insurance company experience, such as US Home Supplements.
We are happy to assist you in maximizing the value of your claim and in learning how to get your insurance to cover the cost of a new roof.
The majority of the time, once you submit a roof insurance claim, you cannot reverse it. It can only be canceled before an adjuster is assigned to it.
Once an adjuster has been appointed, the claim cannot be terminated, even if the adjuster does not appear or the insurance does not make a payment.
An adjuster will be assigned to your roof insurance claim after you file it.
In order to validate the claim, the adjuster may come to check your roof. Here they will decide what kind of roof damage insurance should pay for.
They will check a number of factors, including the roof's age and if the roof was installed correctly.
Additionally, they'll look for any indications of the reported damage. This can include inspecting shingles for hail damage or looking for signs that shingles have been pushed up by wind.
The goal here is to verify the alleged damage and ascertain what the insurance provider will or will not pay for.
Dealing with insurance claims after a storm can be a stressful time for both homeowners and their contractors. We’re here to make that process simpler.
At US Home Supplements, we’ve helped hundreds of roofing contractors get paid on thousands of projects. If you want a helping hand with your roofing supplements, feel free to reach out to our expert team for a free call today.