Dealing with storm damage to your home is stressful enough on its own, but when you add in the complexity of the insurance claim process, homeowners can feel downright overwhelmed. Fortunately, many roofing companies offer help to customers in navigating the insurance claims process.
Universal Roofing & Exteriors, a trusted residential roofing company, shares some tips below.
Check for Damage
Document the storm damage by taking photos and videos. You should also make a detailed list of damaged items. After documenting the damage, you should call a contractor to perform temporary fixes to prevent further destruction to your home and personal belongings. Your insurance company will probably reimburse the cost of these repairs, so make sure to keep a record of all receipts.
File Your Claim
Contact your insurance provider to formally start the process. They may schedule an appointment with their own insurance adjuster who will make their own assessment of the damage. The adjuster will then provide documentation of the loss that will ultimately determine your claims settlement. Your insurance company may send you more than one check throughout the restoration of your home. If you have a mortgage on your home, they may assign the payment for structural damage to be payable to you and your mortgage lender.
Discuss the Materials
This stage involves selecting the products and materials that will be needed to restore your home. Note that you may only be able to choose from select options since your budget will be limited to the amount your insurance provider has agreed to cover.
Start the Work
Your insurance company may recommend contractors to do the job, but you also have the option to hire your own construction professionals. Just make sure that you are dealing with a reliable and trustworthy company–your roof depends on it!
Universal Roofing & Exteriors has been in business since 1986, providing quality home improvement services to local homeowners. Our expertise covers roof repair, roof replacement, siding replacement and more. Call us at (317) 257-0779 or fill out our contact form to request an estimate. We serve customers in Carmel and Zionsville, IN.
