Handling insurance claims is one of the more complex parts of fixing a damaged roof. But knowing how it works can help make the process simple and less intimidating, allowing you to focus on more important things while getting the best results.
Here are some of the things you should know about roofing insurance claims.
Insurance vs. Warranty
We often get asked about the difference between insurance and warranty in relation to roofing damage. Warranty coverage and insurance terms vary, but warranty covers issues caused by defects in the material or installation errors while insurance covers hazards like damage from a falling tree or hailstorms. There are, however, certain areas where both overlap, like when wind damage is involved. Some warranties cover damage caused by up to certain wind categories. Often, the warranty takes precedence, while the insurance can pay for costs not covered by the warranty.
Experienced Contractors Should Document the Damage
It’s hard for non-roofers to assess the extent of roofing damage, and neither homeowners nor insurance adjusters are expected to be knowledgeable on the subject. This is why roofers are brought in to document the damage and provide an estimate of the repair cost. Hiring an experienced and trustworthy local roof-insurance claims specialist as soon as possible is important. They provide an honest assessment, navigate through the paperwork, and work with your insurance provider to ensure that your claim gets processed. All American Roofing has been helping Oklahoma City residents for over three decades and can be of immense help especially if this is your first time.
Familiarize Yourself With Your Insurance Coverage
Review the paperwork and familiarize yourself with the terms and conditions of your insurance coverage, which varies depending on your policy and insurance provider. Not all policies cover the cost of an entire roof or the age of the roof may be prorated. Also, once the insurance company approves the claim and cuts the check, ask if it will be in your name, or yours and the mortgage holder; if it’s the latter, the mortgage holder will have to sign off on the check.
To learn more about our residential roofing services, call All American Roofing today at (888) 786-0400 or fill out our contact form to schedule a free consultation. We serve Edmond, OK, and Norman, OK as well as nearby OKC areas.