Utah’s Roof Insurance Claim Experts
When your roof suffers damage from hail, wind, or other types of storm damage, it’s crucial to file an insurance claim as soon as possible. Your insurance company will send a licensed insurance adjuster to assess the damages incurred by your property. Once the adjuster provides an estimate of the damage, the roof insurance claim process begins.
To help you understand the roof damage insurance claim process, we’ve put together a comprehensive guide below. Whether you’re submitting it yourself or prefer professional roof claim assistance, we’ve got you covered. If you need roofing insurance claim assistance, contact us today.
The Roof Damage Insurance Claim Process
Filing a roof claim in Utah can be complex, but you don’t have to navigate it alone. Dealing with adjusters and navigating your claim can be stressful and time-consuming. The insurance adjusters sent by your insurance company represent their interests, not yours. However, you have the option to hire a public adjuster who represents you. If you’re not ready to handle the world of roof insurance claims, contact us, and we will guide you through the entire process.
Look for Roof Damage First
After experiencing hail or a major storm, it’s essential to assess your roof for damage. However, getting on your roof can be dangerous, so it’s advisable to call a roofing contractor like VP Roofing if you’re not comfortable doing it yourself. Hail damage may not always be apparent, as it can cause small holes or marks. Similarly, wind damage may lift corners of the shingles or even tear them off completely. Even if your roof appears visually intact, there could still be hidden damage that can lead to further issues like mold. To ensure a thorough inspection, contact a reputable roofing company with good reviews, as they usually offer free inspections.
Types of Qualifying Roofing Damage
Roof Hail Damage
Hail can damage the coating of your shingles, leaving the asphalt layer exposed. The sun’s ultraviolet rays can cause the asphalt to dry and crack, eventually leading to roof leaks. Even the smallest hail damage can become more problematic over time.
Roof Wind & Storm Damage
High winds or repeated wind can cause damage to your roof shingles, resulting in water exposure and other hazardous events. Insurance claims for wind damage can be complicated if the damage is not fixed promptly. It’s important to check your insurance policy as it may have requirements regarding the timing of roof repairs after a major storm.
VP Roofing Can Help
VP Roofing is a trusted and full-service roofing company that specializes in roof replacements and repairs for Utah homeowners and commercial property management companies. If you need roofing assistance, don’t hesitate to contact us.
Before Making Your Claim
It’s always a good practice to document the condition of your roof before any damage occurs. Photos, videos, and any other evidence will be helpful when filing your roof insurance claim. Ensure that your documentation is clearly stamped with the date and time, and capture multiple angles of your roof. After a major storm, continue documenting any new damage. Working with a professional roofing contractor can also help identify hidden damage and assist in estimating repair costs.
Getting a Fair Settlement From Your Claim
If your claim is denied, don’t worry; it’s not the end of the process. Engaging a public adjuster can help appeal the denial and handle the remainder of the claim for you. To ensure a fair settlement, obtain estimates from local roofing companies. Understanding what your insurance will cover and comparing it with the cost of services offered by roofing contractors is crucial. This information will allow you to make informed decisions regarding your roof repairs or replacement.
What are Contingency Contracts?
When you’re ready for repairs or a roof replacement after filing a roof damage insurance claim, be cautious of contingency contracts. Reputable roofing contractors won’t ask you to sign a contract before conducting a roof inspection. Signing a contingency contract without knowing the repair costs might leave you bound to an unfavorable agreement.
Roof Claim Timeline
A roof insurance claim can take time and require extensive documentation and follow-up. While there are reasons not to handle your own claim, partnering with a public adjuster or experienced roofing contractor can greatly assist you throughout the process. They will ensure you receive a fair insurance claim payout and provide you with the knowledge to handle any future roof claims.
If you’ve recently experienced a bad storm, hail, or strong winds, don’t hesitate to reach out to us for a free inspection. We’ll provide you with all the information you need to restore your roof to a new or like-new condition. Contact us today at (801) 797-2988 for assistance.
