For everyone, spring is a precarious time of year when it comes to the weather and its impact on your property. Heavy rains, high winds, and even tornados can happen anytime. Of course, they can damage your home. That said, as a homeowner, you should know what to do after storm damage. The two most essential things you need to do are doing some assessment on your home and fixing the roofing.
The roof often gets the most damage from high winds and storms. That said, spring and summer are usually busy times of the year for roofing contractors. However, you should do several steps to fix your roof after a storm. With this guide, you can figure out how to proceed if you suspect your roof has been damaged after a storm. Now, let’s take a look at them.
Contact Your Home Insurance
If you suspect a storm has damaged your roof, the first step is to call your home insurance company and inform them of your situation. They will clarify how your particular policy handles weather damage and how and what they will cover for repairs. They can help you file a claim and direct the issue to the field agent who will do the inspection. Then, if they agree to help you, they can pay for the repair cost.
Get the Repair Estimates
While you wait for the claim to be processed, you should start gathering some quotes from roofers in your place. It is recommended that you only work with professionals in your circumstances to avoid scams or fraudulent acts. Let roofing contractors know that you don’t have an insurance quote yet, that you’re only getting a quote, and that you won’t sign any contracts until you’ve heard from your expert. Usually, they understand your condition as they’ve experienced many things when it comes to repairing your roof after a storm. That said, roofing companies can help you fix your roofing.
Hire the Best Roofing Contractor
Once your adjuster has qualified your roof as mitigation and granted you the amount the insurance company will pay for a roof, it’s time to choose your roofing company. At this point, some roofing contractors will work with your insurance company and take care of the rest of the process, completing and billing for the replacement. It’s familiar and you need to prepare for the payment. Then, you can let them work and fix your roof.
Pay Your Roofing Contractor
Once the roofing contractor has submitted your invoice to the insurer, they will issue a check that requires approval from you as the owner or policyholder of the policy and from the roofing company. Some insurance companies only state the homeowner, but this detail depends on the company’s policy. If the estimate for the roof replacement was more than your policy amount, or if you deducted a deductible, then you will have to pay the rest of the cost from the roofing company. Keep in mind that this is the process by which many common home insurance policies handle storm damage. There can be numerous shades of one of the insurers. Talk to your insurance agent to learn more.