How do you make sure a roofing insurance claim is valid?

Ensuring the validity of a roofing insurance claim is crucial, especially after experiencing storm damage. The last thing you want is for your insurance claim to be denied due to avoidable mistakes or oversights. In today’s post, experts from Graymark Exteriors share their methods in ensuring your roofing insurance claim is completely valid.

Know Your Insurance Policy

An often overlooked but critical aspect of ensuring a valid insurance claim involves thoroughly understanding what your insurance policy covers. Policies can vary widely, with some offering comprehensive coverage that includes damage from storms, wind and hail, while others might have specific exclusions or limitations. Knowing the details of your policy, including your deductible and coverage limits, is essential.

What’s Usually Covered

• Storm-Related Damage: Many homeowners’ policies cover damage from natural events beyond your control, such as hail or wind damage.

• Accidental Damage: This includes unforeseen and sudden incidents that result in roof damage.

What’s Not Covered

• Neglect or Poor Maintenance: Damage resulting from a lack of maintenance or neglect is typically not covered.

• Age-Related Wear and Tear: Older roofs may not be fully covered, as insurance policies often consider the depreciated value of the roof.

Documentation is Key

Another vital step in making sure your roofing insurance claim is valid involves meticulously documenting the damage. This can include detailed reports and estimates provided by your roofing contractor, along with photographs and videos of the damage. Proper documentation not only supports the validity of your claim but can also expedite the claim process.

Hiring a Contractor with Insurance Claim Experience

Working with a roofing contractor experienced in the insurance claim process can be incredibly beneficial. Contractors familiar with the ins and outs of roof insurance claims can offer guidance throughout the process and can even interface with insurance companies on your behalf, ensuring all procedures are followed precisely.

As you may have noticed, we at Graymark Exteriors know much about storm damage claims and can help you validate your claim and maximize the benefits you can receive from it. Call us at (859) 279-1889 or fill out this contact form to get an estimate.