Dealing with roof insurance claims is a chore at best. But it’s often necessary after your roof sustains some damage due to poor weather conditions.
Damage from a seemingly routine wind and hail storms can compromise the integrity of your roof. What makes this worse is that hail damage is often not easily noticeable.
This is because damage from storms can often come in small incremental chips. Eventually causing tears and dents across your roof.
Minnesota recently made a national list, coming in at number four of states most affected by hail damage in the last four years. So we’re no strangers to heavy hail.
Should the worst happen, these steps will help you get your insurance claim dealt with seamlessly while your roof gets repaired in no time!
Keep Accurate Dates and Time of Storms
If you know for sure that hail damage has occurred as a result of a storm, make sure you write down the date and time of storms responsible.
This date will help you in filing a claim. If you didn’t remember to take photos of the storm at the time, Google photos of your city and the keyword “hailstorm”.
You will most likely see photos displaying the size of the hail from that day. Save those photos as additional evidence so that you can show them to an insurance agent.
Seek Professional Advice for Roof Insurance Claims
If you suspect that your roof has been damaged by a hailstorm, you must seek a professional evaluation from a qualified roofing company.
At Goldstar Contracting, we have years of experience assisting customers with roof insurance claims. We have completed dozens of successful insurance applications, and know the process very well.
While storm damage is welcome, we want this experience to be as seamless as possible for our customers. We will work closely with your insurance provider to ensure that you and your property are well taken care of.
File Your Claim
This step is a simple part of the process. When you’ve had a professional evaluation and told to go ahead, you can file a claim against your homeowner insurance.
Your insurance provider will ask you for some information regarding the damage and information about your home and advise you of what the next steps are.
Remember the date of the storm and the additional information we talked about earlier? Make sure that you have that information when filing your claim.
Also, don’t worry about how old your roof is at this point, it doesn’t matter. Your insurance company will assess the damage while settling your claim, regardless of how old your roof is.
After the Insurance Adjuster
After you reach a favorable settlement with your insurance company, it’s time to get a written quote from the roofing company that you’re interested in working with.
When selecting a roofing company to carry out the work, make sure you think about more than just the cost of repairs.
Most importantly, ask yourself; “Do you feel comfortable with the company you are choosing?”, and “do you trust them?”
Based on your research, does it look like they have a good reputation? Your roof protects you, your family, and your home. It’s vital that you employ a company you trust when choosing someone to make repairs on it.
At Gold Star Contracting, we’re proud to tell people we have a reputation for excellence. We can supply excellent customer references on request.
We are continuously striving to improve the quality and the value of the products and services we offer. Our commitment to each project has allowed us the opportunity to experience ongoing growth.
We started Gold Star Contracting in 2007. Since then, we have helped over 1,000 families and businesses by providing roofing repairs and replacements.
Get the Work Done
Once your insurance provider approves your claim, you will get the funds needed to complete your project.
You may not be happy with the proposed settlement. In this case, it’s worthwhile talking this through with your chosen roofing company to see if they can help.
It’s important to remember that you should not be alarmed if your insurance company lowered the amount awarded for repairs because of the roof age. Usually, they are merely holding the money back until work is complete.
For example, they may hold back $700 for reduction and the actual cost of work is a little more than they sent you.
In this case, send them a letter of completion from your contractor with the exact amount when the job is done. They should then send you the difference.
At Gold Star Contracting, we stand by our work. We know reliable and reputable roofing contractors provide free roof inspections and roof replacement estimates – which is exactly what we do with no obligation.
If you suspect damage has occurred to your roof, please contact us today to set up a time that works for you for us to carry out a professional evaluation.