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Roof Damage Insurance Inspection: Why You Need a Roofing Contractor Present

Scheduling an Inspection? Make Sure a Roofer Is There, Too!

If a hail storm recently passed through your area, it’s important to file a claim and schedule a hail damage roof inspection with your insurance adjuster immediately. However, before you complete the inspection, it’s also a good idea to contact a trusted roofer to be present during the inspection process.

An expert roofer can be instrumental in substantiating your claim for hail damage and making sure your insurance company includes adequate coverage when determining your payout. At Action Roofing & Construction, we’re true customer advocates. All too often, we’ve seen claims result in small payouts or be denied for reasons that could have been avoided. Here are some of the top reasons why you should have a roofer present for your hail damage roof inspection!

Hail Damage Can Be Subtle

For certain roofing materials or components, hail damage is very easy to spot. For metal roofing as well as metal flashing, gutters, and vents, hail damage will appear as clear and obvious dents, a telltale sign that anyone could identify. 

However, hail damage to materials such as tiles and asphalt shingles can be much more subtle. While many insurance adjusters are quite adept at spotting hail damage thanks to their experience in the industry, you never know who will be sent to your property. With a professional roofer, on the other hand, you can trust that they will have years of experience inspecting roofs and diagnosing different types of roof damage. Having a roofer present ensures that you will have at least one experienced set of eyes examining your roof for hail damage.

Insurance Adjusters May Not Know Building Codes

Hail damage should be covered by your insurance provider—but it’s not the only way to substantiate a claim for roof damage and receive coverage for a repair or replacement. In most cases, homeowners’ insurance policies include coverage to bring roofs up to code. In other words, if your roof is found to not meet code during the inspection process, there’s a good chance this could be an avenue to have your insurance provider cover a replacement.

Typically, though, insurance adjusters won’t be looking for this during a hail damage roof inspection. In addition, insurance adjusters will often be from out of town, meaning they’re much less likely to be familiar with building codes in your area than a local roofing company. With a local roofer present, you can cover all your bases during the inspection.

Expedite the Roof Repair Process

If your claim for hail damage is denied, the process to then hire a roofer to identify damage, file for a reinspection, and get your claim reconsidered can take several months—while your roof is left vulnerable in the process. Experienced roofing professionals can complete interim roof repairs as your insurance company considers your claim. However, it’s best to repair hail damage as quickly and thoroughly as possible to avoid further roofing problems.

By asking a roofer to be present during the insurance inspection process, you can help avoid this unnecessary extra process. Making your initial claim as substantive as possible is key to repairing your roof as quickly as possible following a hail storm!

Action Roofing: Your Hail Damage Advocate!

Here at Action Roofing & Construction, we specialize in all facets of storm damage repair and restoration. That includes not just the repairs, but also helping our customers receive coverage for damage done to their roof. Our professional team has years of experience working directly with insurance companies and adjusters to ensure a fair payout for our customers. We’ll walk through your entire property with your adjuster to help point out damage and make sure your full roofing system is taken into consideration for your claim.*

Was your home affected by recent hail storms? Contact us today to schedule a hail damage roof inspection!

*Action Roofing 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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