As homeowners, we are vulnerable to mother nature every day.  When misfortune lands at our doorstep or, in this case, our rooftop, we can be thankful for insurance coverage and the availability of roofing insurance claims for storm damage.  When purchasing insurance, it is always advisable to check with your insurance agent about your policy’s coverage as it relates to roofing insurance claims storm damage.

If you live in an area where storms, especially those known to create a lot of damage, occur frequently, ask your agent to explain exactly what is covered in the event of a loss.   For instance, if you live in an area that is known for hurricanes, tornadoes or flooding, these are all factors that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined.  At times, there are reports of individuals who suffer extensive storm damage to their home only to learn that their policy did not cover roofing insurance claims for storm damage.  There is no doubt that storm damage can cause a lot of problems with your roof in particular, so it’s extremely important to make sure your insurance policy covers any problems that may arise in the event that the unexpected should occur.

When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster.  It is expected that, at some point, our roof will be in need of repair.  Our roof  is essential to a home because, without it, we would be left out in the rain - literally.

After the initial contact with your insurance agent, you should receive a letter or telephone call from their department, which handles roofing insurance claims for storm damage.  Following that, an adjuster will likely contact you.  In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement.  It is not advisable to sign a contract or make any agreements until your hear from your insurance agent.  The adjuster may, however, provide you with an estimate on the cost to repair any damage that your roof has sustained during a storm.

Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional.  If you choose to hire a professional, ask them to provide you with a projected cost once they have reviewed the damage.  During your initial conversation, explain that the funds will come from your insurance company’s claims department, which handles the payment of roofing insurance claims for storm damage.  Provide the projected cost information to your insurance company for processing.  Depending on the company’s policy, the funds may be paid upfront or after the job is complete.  If the money is held until completion, have an invoice sent to the insurance agent for final payment.

Do you need Disaster Assistance?

Disaster assistance is money or direct assistance to individuals, families and businesses in an area whose property has been damaged or destroyed and whose losses are not covered by insurance. It is meant to help you with critical expenses that cannot be covered in other ways. This assistance is not intended to restore your damaged property to its condition before the disaster.

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