| As homeowners, we are vulnerable to mother nature | | | | what damage was caused and the date of the |
| every day. When misfortune lands at our doorstep | | | | occurrence. If your roof is leaking, it will need to be |
| or, in this case, our rooftop, we can be thankful for | | | | repaired or replaced immediately to avoid further |
| insurance coverage and the availability of roofing | | | | damage to the interior of your home. It's important |
| insurance claims for storm damage. When purchasing | | | | to inform your agent of any repairs that need to be |
| insurance, it is always advisable to check with your | | | | made without delay. This information is crucial in the |
| insurance agent about your policy's coverage as it | | | | processing of roofing insurance claims for storm |
| relates to roofing insurance claims storm damage. | | | | damage. |
| If you live in an area where storms, especially those | | | | After the initial contact with your insurance agent, |
| known to create a lot of damage, occur frequently, | | | | you should receive a letter or telephone call from |
| ask your agent to explain exactly what is covered in | | | | their department, which handles roofing insurance |
| the event of a loss. For instance, if you live in an | | | | claims for storm damage. Following that, an adjuster |
| area that is known for hurricanes, tornadoes or | | | | will likely contact you. In most instances, the adjuster |
| flooding, these are all factors that could cause major | | | | will want to see the damage, take photographs of |
| damage and the policy regarding roofing insurance | | | | the loss and will provide the insurance company with |
| claims for storm damage needs to be clearly defined. | | | | an estimate on the cost of repair or replacement. It |
| At times, there are reports of individuals who suffer | | | | is not advisable to sign a contract or make any |
| extensive storm damage to their home only to learn | | | | agreements until your hear from your insurance |
| that their policy did not cover roofing insurance claims | | | | agent. The adjuster may, however, provide you with |
| for storm damage. There is no doubt that storm | | | | an estimate on the cost to repair any damage that |
| damage can cause a lot of problems with your roof | | | | your roof has sustained during a storm. |
| in particular, so it's extremely important to make sure | | | | Once you receive an estimate from your insurance |
| your insurance policy covers any problems that may | | | | company, you may begin the process of contracting |
| arise in the event that the unexpected should occur. | | | | the work out to a professional. If you choose to hire |
| When you think about it, our roof is the only thing | | | | a professional, ask them to provide you with a |
| that protects us from rain, snow, sleet or, in the | | | | projected cost once they have reviewed the |
| worst case, a natural disaster. It is expected that, at | | | | damage. During your initial conversation, explain that |
| some point, our roof will be in need of repair. Our | | | | the funds will come from your insurance company's |
| roof is essential to a home because, without it, we | | | | claims department, which handles the payment of |
| would be left out in the rain - literally. | | | | roofing insurance claims for storm damage. Provide |
| If your roof is damaged during a storm, the first | | | | the projected cost information to your insurance |
| thing to do is contact your insurance agent. You will | | | | company for processing. Depending on the company's |
| need to ask about their policy regarding the filing of | | | | policy, the funds may be paid upfront or after the |
| roofing insurance claims for storm damage. Your | | | | job is complete. If the money is held until completion, |
| agent will then advise you in proper procedures and | | | | have an invoice sent to the insurance agent for final |
| deadlines. Explain to your agent, in detail, exactly | | | | payment. |