Many homeowners let out a groan when their roof receives damage for the fear of having to deal with their insurance company. This process does not have to be a headache. Many roofing contractors now have relationships with the insurance companies to help make the process be efficient and simple. Here are some of the things you need to look for when hiring roofing contractors to help you out with your claim.
Roofing Contractors and Insurance Relationships
It is important to know that your roofing contractor has a steady and good relationship with the major insurance companies. An established relationship means that you won’t have to wait days for the two sides to communicate while your roof sits in a precarious position. When talking with your estimator or salesmen ask about their standing with your particular insurance carrier. Look for direct responses. If the salesmen gives you indirect answers or changes the subject it may not be the best fit for you.
Call the Roofing Contractor First!
It is very important to have an inspection done before you contact the insurance company! The damage might not be enough to insurance to cover it but might be filed as a claim regardless. To avoid these useless claims against your policy have an inspection done first. As a bonus, if the contractor feels that a claim is warranted, they will usually begin the process themselves, saving you time and headaches!
Covering the Spread
Ideally you would like to not have to pay any money out of pocket for a roof repair or replacement. This is where roofing contractors working with your insurance company is key. The contractor should present an estimate to the insurance company to make sure the entire cost can be covered. Sometimes a roofer’s quote might be more than the insurance company’s estimate. A reputable roofing contractor will cover that cost at no additional charge to you.
Taking the Next Step
Other than just repairing your roof, a contractor can also help you take steps to insure that you are covered the nest time a big storm rolls in. This could be a recommendation of materials that can qualify you for great insurance discounts.