Your roof is among the most important elements of your home, keeping you and your family safe from the external elements. However, after a storm, hail, or any unforeseen damage, submitting a roof claim can be intimidating. Understanding the right ways to navigate the roof insurance claim process in Texas is the key to making things easier. This step-by-step guide will walk you through the entire process. Let’s dive deeper into the process below.
Step 1: Assess the Damage
The very first step must be determining the extent of roof damage. Inspect your roof after a storm or other event that could have damaged it for visible signs of damage, including missing shingles, dents, cracks, or leaks. You can conduct a visual inspection yourself if it is safe to do so. However, you must hire a professional roofing contractor like 911 Exteriors Roofing And Construction to evaluate the damage and document it properly.
Step 2: Read Your Insurance Policy
Before you file a claim, be sure to read your insurance policy to find out exactly what you’re covered for. These policies cover different types of damage. Some policies might cover hail and wind damage, for example, but not damage from wear and tear or failure to maintain your roof. Knowing your deductible and what’s covered under your policy will help you through the claims process.
Step 3: Document the Damage
Documentation is an important aspect of an insurance claim. So, take clear pictures and videos of the damage from different angles. Make a note of when the damage occurred and what caused it. If you can, find images of your roof before the damage to show a clear comparison. A written inspection report by a professional roofing contractor can also help your case.
Step 4: Reach Out to Your Insurance Company
After documenting the damage, call your insurance company as soon as possible. Many policies place a time limit on when you can file claims, so it is important to act quickly. Here’s what to expect when speaking with your insurance company and what information they will need:
- Your policy number
- When the damage occurred and what caused it
- A description of the damage
- Supporting documents like photos, inspection reports
The insurance company will instruct you on what to do next and whether an adjuster will be assigned to review the damage.
Step 5: Have the Adjuster Take a Look
Your insurance company will generally send an adjuster to survey the damage. The adjuster will inspect your roof and assess the degree of damage, including determining whether the claim falls within your policy’s coverage parameters. It’s always a good idea to have your roofing contractor there when the inspection is done so that all available damage is reported and nothing is missed.
Step 6: Get Repair Estimates
As you wait for the adjuster’s report, get repair estimates from reputable roofing contractors. These estimates will help you get an idea of what you are likely to pay for repairs and will help protect you against your insurer from offering you less than you should. Make sure you check that your contractor is licensed and insured and has sufficient experience dealing with the roof insurance claim process in Texas.
Step 7: Evaluate the Insurance Company’s Offer
After the adjuster submits their report to your insurance company, you will be given an offer based on the adjuster’s findings. This offer will show how much they are going to pay to fix it. However, do not rush through the offer, make sure that it covers your estimations and the actual damage! You have the right to dispute the offer if you feel it is unfair.
Step 8: Negotiate If Required
You can negotiate if the insurance company's settlement offer does not cover your roof repair costs completely. Include more proof, like independent contractor estimates or a second opinion from another adjuster. Your roofing contractor can also help provide communication with the insurance company to justify the necessary repair costs.
Step 10: Approve the Claim and Start Repairs
Once you come to an agreement about the settlement amount, your insurance company will issue the payment. In some situations, repayment will be made in installments, particularly if you have a mortgage lender involved. The funds are released to you, and you hire your roofing contractor to repair or replace your roof. Don’t forget to keep all receipts and invoices for documentation purposes.
Step 11: Inspection and Close of Claim
Check the work after the repairs have been made to make sure it is quality work. If needed, ask the insurance adjuster for a final inspection. After everything is verified, your insurance claim will be officially closed.
Tips for a Successful and Smooth Roof Insurance Claim
- Get Started Quickly: Most insurance policies require you to file a claim within a limited time. File damage and other insurance claims as soon as possible.
- Hire a Professional: A roofing contractor, who is experienced with the insurance claims process, can document your damages and help you along the way.
- Stay Organized: Keep all receipts, estimates, and correspondence with your insurance company.
- Be Relentless: If your claim gets denied or undervalued you have the right to appeal and ask for a second opinion.
- Stay Away from Storm Chasers: Beware of contractors who show up uninvited after a storm. Check credentials before hiring anyone.
Hire Us for a Smooth Roof Insurance Claim Process in Texas
At 911 Exteriors Roofing & Construction, our experts specialize in insurance claims assistance and can help you throughout the roof insurance claim process in Texas, ensuring a smoother experience for you. Whether you need help with residential or commercial roofing, we are the one you can count on. Book a consultation with us today. Book a consultation with us today.
