Your roof is one of the most crucial parts of your residential home. However, it may get damaged by elements like water, storms, strong winds, and high heat. For instance, a strong storm may rip off your roof's shingles, causing damage. A flying object may also fall on your roof, causing a crack which may lead to water leakage. However, you do not have to wait until it is completely damaged to file a roof insurance claim. Instead, you can stay on the lookout for any signs of malfunction and file a roof insurance claim immediately. Below are three tips to help you when filing roof insurance claims.
1. Understand What Your Insurance Policy Covers
As a homeowner, you may panic when you notice any fault on your roof and decide to file an insurance claim immediately. You may file a claim for damage not covered by your insurance policy when this happens. For instance, if you exclude wind damage from your policy, you cannot be compensated if strong winds damage your roof. Therefore, it is advisable to first go through your insurance policy and check whether the damage is covered. This way, you can call your insurance company and file a claim for covered damage, avoiding inconveniences and saving time.
2. Check the Extent of Damage
After roof damage, you may be tempted to neglect the other parts of your roof because they are still intact. However, there may be other hidden problems. Therefore, it is advisable to inspect the whole roof and house to check for more damage. For instance, if strong winds blow one part of your roof away, you should check the other parts to see if they may be lifted or have missing shingles. It is also imperative to hire an experienced roofing contractor to help you assess and inspect the extent of the damage. This way, you will provide accurate information to your insurance policy provider when filing your roof insurance claims.
3. Take Photos and Record the Damages
After roof damage, it is advisable to take pictures of the damage incurred. These pictures should be taken with a good viewpoint as they will act as evidence when filing roof insurance claims. You should also record important information like dates, times, what needs to be done, and indicate the estimates. You should then immediately send the pictures and documentation to your insurance policy provider. This way, they will process your roof insurance claim and compensate you accordingly within a short time.
You should follow the tips mentioned above when filing roof insurance claims as a homeowner. This way, your insurance policy provider will approve your claims because you will have followed the required steps and provided the required information. Visit a roof insurance provider's website to read more on roof insurance claims.