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.

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.

If your roof is damaged during a storm, the first thing to do is contact your insurance agent.  You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage.  Your agent will then advise you in proper procedures and deadlines.  Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence.  If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home.  It’s important to inform your agent of any repairs that need to be made without delay.  This information is crucial in the processing of roofing insurance claims for storm damage.

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.

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