Storms are common in the Toledo area, and some of those storms are likely to cause damage to roofing materials. While homeowners insurance generally covers storm damage, it’s not always easy to navigate the procedures necessary to file a claim and actually have the repairs completed. However, by following a few relatively easy steps, having storm damage repaired can be simplified.
Have the Roof Inspected Immediately Following a Storm
Insurance companies tend to reject a higher percentage of storm damage claims if they are not promptly filed. Immediately after any severe weather, it pays to contact an expert to inspect the roof for damage. That’s especially important when there is obvious damage, as immediate action is necessary to head off additional damage to the structure. At the same time, have other construction components inspected for damage, as siding, windows, and gutters are all subject to damage.
Document Everything
When damage is identified, document everything. Take pictures of the damage or ask the roofing contractor to do so, and carefully note the day and time of the storm as well as any other pertinent information. To file an Insurance Restoration Claim, it’s also important to have a detailed estimate of the repairs needed. Having an estimate of repairs from a contractor will protect homeowners when the insurance company sends out their adjuster. The contractor selected should be on-site when the adjuster visits the property to make sure the adjuster notes all the damaged areas.
Monitor the Repairs
Once the insurance claim is approved, the contractor can begin the repairs. Typically, the insurance carrier will provide an initial payment to cover materials and provide a second payment once the repairs are completed. It’s vital that homeowners monitor the repairs to ensure everything included on the claim is actually repaired or replaced.
In addition to assisting a client with an Insurance Restoration Claim, contractors should be contacted to evaluate a roof’s condition periodically. Discuss your specific situation with a contractor for advice on establishing a timetable for routine inspections. If proper maintenance is provided, it’s often possible to stay ahead of potential roofing issues. For more advice or to schedule an inspection, go to Toledoroofrepair.com today.
