Getting Insurance To Pay For Your Roof Replacement

Make Sure To Document Every Bit Of Damage And Have A Roofer Help You With The Process.

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Get That Claim Paid

Nobody wants to have to pay full price for a roof replacement out of pocket if they can get insurance to pay for it instead, but getting your insurance company to pony up the cost means you’ll have to have all of your ducks in a row if you want to get a full cost approval. This means you need to work with an experienced roofing contractor to properly document all of the damages and get the scope written up correctly, otherwise you could be left covering some of the costs. There are a few main things you’ll need to keep in mind when dealing with a roof insurance claim, so here we will go over some of the main points.

1. Go Over Your Homeowners Insurance Policy –  Understanding the fine print of your homeowners insurance policy is a key part of getting insurance to cover your roof. There are typically two main types of coverage that insurance companies offer, one being more coverage with a higher premium and one being more cost effective but less coverage for your roof.

Insurance companies usually offer a repair coverage package to homeowners which helps to pay for repairs needed from unexpected damages such as hail storms. This policy is the cheaper option, but if your roof needs to be replaced, it’s not going to cover everything. Obviously the better policy to have in this situation would be roof replacement coverage which means the insurance company would pay for your roof if damages were beyond repair from an unexpected weather event.

circling damage on a roof for an insurance claim
storm damaged roof in colorado

If you do have roof replacement coverage, you’re much more likely to get your roof paid for, but there still needs to be enough damage to the majority of the roof that is beyond repair for the insurance company to approve it. They will want clear documentation as well as reports of bad weather at the time damages were done to your roof.

If you are in an area that is prone to damaging storms, you’re roof replacement coverage will be more expensive since those events happen much more often than normal and is a much bigger risk for the insurance companies to cover.

2. Document & Take Pictures Of All Damage – One of the most important parts of this whole process is being able to prove there is damage beyond repair and that it happened from the specific event that you claimed. This means you need pictures of every bit of damage on the roof and take pictures of anywhere else on the property that was also damaged to help prove your claim. If there are news stories about hail in the area on that date, it’s great to have a link to those ready to send off with your claim as well. 

The more documentation you have, the better as long as the photos are clear and easy to see the damage. If you try to do this yourself, you may end up missing quite a few things unless you are experienced at dealing with insurance companies on this type of thing. This is why it is very important to have a roofer come out to the property and help you document all of the damages correctly so that you don’t waste time trying to submit a claim that is just going to get denied anyway.

We deal with hail & storm damage roof insurance claims all the time and know exactly what the insurance company needs to see to approve your claim, so don’t hesitate to reach out to us for a complimentary roof inspection and help documenting your claim.

3. Present Your Claim To Your Carrier – Now that you have all of the documentation for your claim, it is time to send the pictures, videos, evidence and any other information your insurance company needs from you to get the process started. They aren’t typically very quick to approve these things and may try to fight you on some of it, so be patient, make sure you fill everything out correctly and see what happens.

If your carrier comes back with a lower amount, speak to your roofing contractor and have them evaluate it. They will know what to do to get it approved or if the insurance company is denying a legitimate claim, we can bring out a public adjuster to hold the insurance company accountable.

4. Decide Which Roofer You Want To Work With – When the insurance company finally approves your roof replacement, you’ll need to make a choice on which roofing contractor you want to do the job. This part can make or break you so make sure you are picking a reputable roofing company with plenty of great reviews, references, pictures of their work and always talk to them in person as well as look up their licensing. If you hire a roofer that doesn’t install your roof correctly, insurance won’t cover fixing it, so you can’t afford to make that mistake. 

With hundreds of roof insurance claims under our belts, you can rest assured knowing that Overhead Roofing Of Colorado Springs will do an exceptional job helping you with your claim and our roofing work is second to none. We get the job done right, the first time and our work will last for many years to come. We are so confident in our work, we offer industry leading labor and material warranties on every roof replacement.

An Experienced Roofer Can Make A World Of Difference

Anytime you are dealing with an insurance claim, the carrier is going to try to fight you so that they don’t have to pay for your claim. When you aren’t familiar with their processes and how to get them to cover what they’re supposed to, you can end up paying a lot of money to cover the cost of your claim that is completely unnecessary.

Working with a roofing contractor that has tons of experience with insurance claims, can seriously mean the difference between you paying for your entire roof or the insurance company, so don’t try to do this process yourself. Give us a call for expert help with documenting your claim so that you can come out on top and the insurance companies have to pay their fair share.

In some extreme cases we will even bring out a public adjuster which is a third party that will document the claim and give a non biased third party opinion on the matter and hold your insurance company accountable. Don’t risk working with the wrong contractor on your roof, give Overhead Roofing Of Colorado Springs a call today for expert service and knowledgeable staff. We offer free inspections, estimates and help with your insurance claim so call today to schedule an appointment.