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What to Know Before Filing a Homeowners Insurance Claim for Roof Damage

Filing a Homeowners Insurance Claim for Roof Damage? Remember These Tips

The insurance claims process can be a challenge to navigate, but it doesn’t have to be as hard as it may seem. While the process can be complex, there are a few tips to remember when filing a homeowners insurance claim for roof damage that will make your life much easier!

Action Roofing & Construction, Inc. is the go-to roofing expert when it comes to filing a claim for roof damage. We’re determined to help our customers fight to get the coverage they deserve, and our experience completing insurance repairs has made us experts in the entire process. If you’re wondering about filing a homeowners insurance claim for roof damage, here are a few important things to keep in mind.

Have Your Roof Inspected Immediately

While it’s important to file a claim right away (see our next item!), you should also contact a roofer as soon as you suspect that your roof has been damaged. Having a roofer thoroughly evaluate your roof means you’ll be able to collect evidence to substantiate your claim right away. Damage spotted on your roof immediately after a storm event is difficult for insurance companies to explain away, which helps to build your case.

Of course, a roofer will also be able to protect your roof by tarping areas off, if necessary. This will help protect your home from moisture intrusion while you wait for your insurance claim to be resolved.

File Your Claim Promptly

Filing a homeowners insurance claim for roof damage is best done sooner rather than later. While Texas has a fairly wide window to file a claim—within two years of the storm event, typically—leaving your roof damaged for this long is never a good idea. In addition, the greater the amount of time between when your roof was damaged and when you file a claim, the more likely it will be that your insurance won’t give you full coverage for the damage, arguing that it was due to negligence instead.

Filing a claim right away both protects you from liability and protects your roof from more serious issues.

Have a Roofer Present for Your Adjustment

Before determining a potential payout, your insurance company will send an adjuster to your property to assess the damage. While insurance adjusters have some experience identifying storm and hail damage, they simply don’t have the professional eye of a roofer.

This means it’s an excellent idea to have a roofer present to walk through your property alongside your adjuster. An expert roofer—particularly one who’s already inspected your roof and home—will be able to point out all damage and ensure nothing is missed. For more on this topic, check out our blog post linked here.

Claim Denied? You Can Fight It!

Despite your best efforts, you may wind up with a denied claim, or a payout that falls well short of covering all the damage to your roof. Many homeowners assume this is the end of the line, and that they’re on the hook to cover the property damage. We’re here to tell you that doesn’t have to be the end!

If your claim is denied, you can still fight for coverage. This is best done alongside a roofing company that specializes in the insurance claims process. At Action Roofing, we pride ourselves on our willingness and ability to fight for our customers. You can check out our guide to disputing a denied claim or just work directly with us.

Action Roofing: Your Insurance Claim Experts

Filing a homeowners insurance claim for roof damage can be a challenge, but it isn’t one you have to face alone. At Action Roofing, we pride ourselves on sticking with our customers throughout each step of the insurance claims process. We provide expert roof inspections to help substantiate your claim, we’ll be happy to walk through your property with an adjuster, and we have the storm repair expertise to fully restore your property.

Work with the premier insurance claim experts in Central Texas. Contact Action Roofing today!

*Action Roofing & Construction, Inc. and its authorized representatives are NOT acting as Public Insurance Adjusters and will not negotiate with insurance on Customer’s behalf

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