When it comes to maintenance of your home, one thing jumps out as most important and the main protector when it comes to a property, and that would be the roof. If the roof fails or is damaged, then it can lead to extensive damage. This can be very expensive to fix. Thus, most people will have homeowners insurance to help them with the cost of any damages and repairs should the roof fail or need repair. However, not everyone is savvy when it comes to making a claim for the insurance, what to claim for and how much it will cost, and getting it through to the payment phase.
If you are someone that is unsure of the process of making a roof insurance claim and who can help you with this, then this guide should help get you started and looking in the right place.
Homeowners Insurance claim process
To begin with, you will need to get your roof inspected professionally; this is critical to make sure that the damage is extensive enough to warrant a claim, also; if you do need to claim, then it will give an analysis of the issues and what state the roof is in. Once you have had the inspection, then it is time to submit your claim with your insurance provider. You will then be assigned with an adjuster, who will then be given the job of inspecting your roof and any other damages you are claiming for. Once they have surveyed the property, they will then give you an estimate for any repairs and give you your first check.
If you have a mortgage at this point, you will need to send your check to them to make sure it has been endorsed so that nothing is held up by your mortgage provider. After that, your repairs can start with the roofing contractor you are using. You will need to make sure you work alongside your contractor to make sure all details of the project are correct and accounted for as if they are not; this can mean that your repairs or roof replacement is not fully covered. Once the supplement process has been sorted with your contractor, then the second inspection will be done by the insurer, and your second check will be paid; then, once this is complete, you can close down the job with your insurer and get your warranty paperwork from them.
Get help with your home roof insurance claim
As you can see from the above, the claim process can be long and have bumps in the road if not all goes to plan. Therefore working with someone like Deschutes Roofing in Bend, Oregon, a professional insurance claims expert can be very helpful. They have the knowledge of the claim process and can deal with you from claim to payment and make sure everything goes to plan; you get the best outcome as quickly as possible. This takes out any of the guesswork and allows the claim to go through a lot more stress-free without you having to deal with it directly.
If you are someone who is unsure how you would go about making a claim when you need to use your roof insurance, then hopefully, this guide will give you an idea of the process and how you can get help should you need it?
Whether you have a simple question or a full deep dive into helping you with your roof claim, Deschutes Roofing can provide you with exceptional results. Each member of our team is experienced and highly skilled, so you can be confident that your project is in good hands.
