When you are insured and your roof is damaged and needs to be replaced; the first call you’ll want to make is to your insurance company so you can get the damage replaced as quickly as possible. The insurance company will open a claim for your roof replacement and begin by sending an adjuster to your home to assess the damage and determine the coverage based on your specific insurance coverage.
Insurance coverage will usually cover roof replacements when the damage is from storms, hail, or from a fallen tree; but may not cover the damage from every day wear and tear. Check your insurance policy or call your insurance agent for your specific coverage.
Once your policy is reviewed and you know the amount of coverage, if any; then you can contact a professional inspector to inspect the roof and document all the damage to assess the type of roof replacement you may need. The inspector will work with the adjustor to compare findings and a claim can be filed. You may need to pay a deductible based on your specific insurance policy. This deductible may be used to help cover the first part of the roof replacement.
As a homeowner, you’ll work with a professional roofing company to replace the damaged roof. Each roofing company is different and you’ll want to check with your insurance company once you’ve confirmed which roofing company will make the repairs to help confirm payment and that you are on track to get the project completed. Having a roofing company that will work with the insurance company and who understands the claims process will allow the project to run smoother.
If you need an experienced roofing contractor to help you navigate your roofing repair or replacement and knows how to work with insurance companies, call DownUnder Roofing today. We are local to Kansas City, and have experience working with insurance companies. Down Under Roofing has a proven track record and is licensed and insured. Contact the team today to see how we can help you with your gutter and roofing needs.
