Roof Insurance Claims

If you are a homeowner looking for a trustworthy roofing company, there’s a good chance your property has been damaged in a recent storm. Due to the severity of weather, thousands of roofs are replaced every year due to hail and wind damage. These roof replacements are typically covered by most homeowners’ insurance policies. A quality roofing company should know the “ins and outs” of the insurance claims process to best help the members of their community. If your roofing contractor is unable to explain your insurance claim in plain English, you may want to speak to a Ridgeline Roofing representative.

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FIVE STEPS IN THE INSURANCE CLAIM PROCESS

1. GET A ROOF INSPECTION FROM REPUTABLE, LOCAL ROOFING COMPANY

Many homeowners call their insurance company first, however, your roof may not have damage. In this case you may have this “claim” count against you anyway. Start with a free, no-obligation roof inspection and get a detailed inspection report.

2. If you have damage, make a claim with your insurance

With your inspection report in hand you can file your claim on your homeowner’s policy with confidence. Your insurance company will likely ask you if your roof has already been inspected and if you have selected a contractor. Keep in mind, you can work with any roofing company you wish. It is entirely your choice.

3. Have your insurance adjuster and your roofer inspect your roof together

When they inspect the roof together, they are more likely to be on the same page about what will be covered by insurance. This will save you a lot of back and forth phone calls. And you will be able to get the project started more quickly.

4. Schedule your roof replacement with your selected roofing company

At this point in the process, our customers are assigned a Project Manager who is the homeowner’s point of contact for the duration of the project. Typical roof replacements take 1-2 days, start to finish. You are not required to be home when the work is being done.

5. Your deductible should be your only out-of-pocket expense

Your insurance company will cut you a check and once your roof work is done you will pay that to your roofing contractor. A reputable company will not require money up front to do your roof.