Pre-Insurance Checklist for Storm-Damaged Roofs
Table of Contents
Introduction
Assessing Storm Damage on Your Roof
Visual Inspection
Identifying Subtle Damage
Documenting the Damage
Photographic Evidence
Detailed Notes
Understanding Your Insurance Policy
Contacting a Professional Roofer
Filing the Insurance Claim
Conclusion
Introduction
Storms can leave significant damage to roofs. Before you call your insurer, it's vital to thoroughly assess and document the damage to ensure your claim is handled correctly.
Assessing Storm Damage on Your Roof
Visual Inspection
Conduct a careful inspection from the ground, looking for obvious signs like missing shingles, leaks, or debris.
Identifying Subtle Damage
Check for less apparent damage, such as lifted shingles or granule loss, which can lead to bigger problems.
Documenting the Damage
Photographic Evidence
Take clear photos of all visible damage. This visual documentation is crucial for your insurance claim.
Detailed Notes
Make detailed notes about the extent and type of damage. Include dates and any related weather reports.
Understanding Your Insurance Policy
Review your policy to understand what types of damage are covered and any specific procedures for filing a claim.
Contacting a Professional Roofer
Before filing a claim, consider having a professional roofer inspect the roof. They can provide a more detailed assessment and help with the claims process.
Filing the Insurance Claim
Once you have all necessary information and understand your policy, contact your insurer to file the claim. Be prepared with your documentation and roofer’s report.
Conclusion
Properly assessing, documenting, and understanding your policy are key steps before contacting your insurer about storm damage. This approach helps ensure a smoother claims process.
