After a bad storm passed through your area, you may have found that your roof suffered damage enough to cause water leakage into your home. Because you have homeowner's insurance, you may be preparing to file a claim and are planning to obtain an estimate from a local roofer.
However, while a roofing professional can give you a repair damage estimate, consider hiring a contractor who is an insurance claim specialist instead. There are a couple of reasons why you should have them inspect your roof for you.
1. They Can Recognize the Difference Between Previous and Recent Damage
One reason why you should hire a contractor who regularly deals with storm damage insurance claims is that they can recognize the difference between previous and recent damage. While normal wear and tear on a roof can cause deterioration of the shingles, warping of the decking, and even cracks in the roof, these are often not covered by your homeowner's insurance.
If these types of damage are listed on the estimate, your claim may be denied either partially or in full. However, a claim specialist will be able to recognize the recent damage. They can then either give you a separate one for both normal wear and storm damage or clearly itemize the damages separately so that the insurance company knows what you are trying to cover.
2. They Often Know What Information the Insurance Company Needs for the Estimate and Claim Forms
Another reason a claim specialist is ideal for attempting to file for storm damages is that they work with insurance companies regularly. Because of this, they will come to understand what each company requires when filing a claim.
This information is helpful when filling out the estimate so that the claim can be approved the first time. The contractor can also assist you with filling out the claim forms with the information your particular insurance adjustor will need.
While a regular roofer can give you an estimate for repairs, a specialist has the experience needed to differentiate between regular wear and recent storm damage. They also work with insurance companies often enough to know exactly what information is needed to help ensure that your claim is paid. If your roof has suffered substantial storm damage and you are getting ready to file, first make an appointment with a contracting service to have them inspect the structure and discuss your situation.
Reach out to a company such as Rapid Roofers Proudly Roofing Atlanta Metro homes since 1986 to find out more.
When you have something you like inside a jar, you probably put a lid on it — right? In a way, you can think of your house in the same manner. You like and value the items inside, along with the inside of the house itself. So, it only makes sense that you would protect the interior of your home with a lid. That lid is your roof.
Keep that perspective in mind as you read this blog. Learning more about roofing will feel more interesting if you remember what a roof does: it protects the inside of the home and the people who live in it.