If you are talking about replacing your roof whether it is as a result of old damage or new damage, involving insurance is a necessary thing to do even though many people fail at understanding how important the insurance process is. Getting a new roof might seem very important and urgent but it is also very necessary that you have a perfect understanding of what your policy is so proper work can be done and you have your roof covered. Welcome to this article which talks about insurance check for roof replacement and key steps.
Insurance Check For Roof Replacement
When it comes to replacing your roof there are some very important steps that you would need to follow which would make the insurance process a fast and simple one. These steps are discussed below;
Having A Perfect Understanding Of The Damage
If a brutal storm has been witnessed in your area and you think you would be in need of a roof replacement then you should take a moment to pause and assess the damage. What you should look out for should include missing granules and shingles in runoff and gutters. It is also okay for you to check within your neighbors for any of these and also it would be a very great idea for photographs of the damage to be taken for record purposes.
You should also do the same thing if your roof is over ten years and signs of damage comes up. It is very important that you make a proper documentation of what you think the damage is and you can also fix a date and time to meet with a professional to also find out what he thinks about the damage and getting a roof replacement.
Having A Perfect Understanding Of Your Policy
This is also a great time for you to look into your insurance policy and also speak with an agent to get a clearer picture and understanding of what needs to be done. It is very important that your insurance company gets a call from your immediately there is a damage to your roof and this would present you with the opportunity to file for a claim immediately as well.
If it happens that you wait for too long before reaching out to the insurance company then replacing your roof becomes almost impossible. It is also very important that you make your details clear enough because it would help the insurer to have an idea of what your insurance policy covers or not. You should be free to consult with your homeowners insurance if there is a concern or question with your policy because this would be helpful in figuring out or understanding what needs to be done.
After submitting an insurance claim, an insurance adjuster would be assigned to carry out an inspection and provide the insurance company with a cost that would cover for expenses.
Select A Roofer With Years Of Experience When Replacing Your Roof
Once your insurance company has given you the green light to carry on with replacing your damaged roof then you would get the money that would cover up for expenses. What you need to do next is finding a reputable roofer that would be able to carry out a perfect job for you. It is important that you carry out a preliminary research to find out who the job is best suited for and it is also okay to shop around and consider the options that you have.
Not all roofers would provide you with guidance but some will all through the replacement process.
Be Wary Of Contingency Contracts
Even though everything might seem clear to you, that might actually not be the case especially with the roofer that you have chosen to work with you. There are roofers that would opt to provide you with free inspection as well as estimates before working on your roof but you should be careful of contingency contracts which looks like an inspection report to the customer.
Even though it might seem like you are signing off on an inspection report, you might not be aware that you are signing off a contract which says they would finish the job. This is why it is compulsory for you to read before you sign off on any contract.
Having to deal with roof replacement can be difficult sometimes and when you fuse in insurance then it becomes more overwhelming than you think. Following all of the steps that we have talked about above would guide you in making less complicated and smooth decisions and you would get your roof replaced in no time.