Should I File an Insurance Claim?

Introduction

Roof damage is usually very costly to the homeowner, and any financial assistance goes a long way. In most cases, this damage arises due to bad weather conditions that are beyond human control. However, with the help of your insurance company, you can have an easy time fixing the problem. Due to the critical nature of the roof, any damage to it requires urgent attention. Therefore, you need to act fast and know when to contact your insurer. DO NOT go through a roofing company for help with your claim. Only you and licensed attorneys and public adjusters may represent you on your claim. It is often suggested that you directly inform the insurance company and begin the process of claiming YOUR money. If you do not feel comfortable with getting this process started or if you are hitting a wall with little to no positive response from your insurance company, it is recommended that you contact an attorney that specializes in insurance claims.

Wind Damage

Some areas of the country get extreme winds that can significantly damage your roof. If you have shingles, you might find many of them missing, cracked, or broken. In such an instance, we recommend replacing your roof to ensure you get something lasting. Call your insurance agent and let them inspect the problem and jumpstart the process of getting your compensation. You can also contact an experienced roofing contractor to assess the damage and determine the repair needed. If the roof is beyond repair, and the contractor recommends installing a new one, be sure to get multiple quotes before choosing the contractor to do the job.

Hail

If your area gets hit by hail, the top damage you will experience in most homes is damaged roofs. Since the icy water hits the shingles with huge force, it breaks and cracks them, causing significant damage. If left unattended, some of the water seeps into the attic causing more problems for the homeowner. However, with the help of your insurer, you can replace your roof without having to strain financially. Whether you choose to incur the cost, then get the funds deposited, or arrange for the insurer to pay the contractor directly, you can get the job done quickly.

Hurricanes and Storms

If you live near the coast, you may need to have insurance against hurricanes and storms. Such an area is prone to these weather conditions, and an insurance coverage will prepare you for a rainy, very rainy, and very windy day. Hurricanes usually contain extreme winds and heavy rains, which cause lots of damage. If your area gets hit, filing an insurance claim will help you recover from the ordeal.

Conclusion

Since you will incur many expenses in repairing and replacing items destroyed in these harsh weather conditions, do not let roofing add to your problems. File a claim as soon as you can and document all the damage experienced. With the help of your insurance company, your home can become as good as new without incurring significant costs. Again, if you aren't sure or you are having issues getting your claim approved, contact a licensed professional to help you.

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