When you have roof damage, it’s important to know who you should contact first. In most cases, it’s best to contact a roofing company first. Read on to learn why.
When roof damage occurs, whether from a storm, fallen tree, or general wear and tear, knowing who to call first is essential.
So who should you contact the insurance company or the roofing company first?Â
While it may seem logical to contact your insurance company right away, there are compelling reasons to call a roofing contractor first.
This article explains why contacting a roofing contractor before your insurance company is often the smartest move.
Who Do You Call First? Roofer or Insurance Company?
You should call a reputable roofing company before you call the insurance company. Here’s why:
When a storm hits or damage occurs, it’s crucial to have an experienced professional assess your roof as soon as possible. A roofing contractor can identify the full extent of the damage and provide you with a detailed report outlining necessary repairs.
By having this information upfront, you can better understand the scope of work required and make informed decisions about how to proceed.
Immediate Solutions for Temporary Protection
In some cases, roof damage may leave your home exposed to the elements, causing further harm. A roofing contractor can quickly provide temporary solutions like tarping or patching to prevent any additional damage before permanent repairs are made. This immediate action not only protects your home but also gives you peace of mind while waiting.
Assistance with Insurance Claims
If you want to get insurance to pay for a roof replacement, you need to contact the contractor first. Filing an insurance claim for roof damage can be a lengthy and confusing process. With a roofing contractor’s help, you can have the necessary documentation and evidence to support your claim.
Contractors are familiar with the insurance company’s processes and can help ensure that all necessary information is included in your claim.
Additionally, some roofing contractors even have direct relationships with insurance companies, making the claims process more streamlined.
Need help with an insurance claim on your roof? Give us a call today
Avoiding Unnecessary Insurance Claims
In some cases, homeowners may believe their roof has sustained damage when it is actually still in good condition. A roofing contractor can provide an unbiased assessment and determine if repairs are necessary before filing a claim with your insurance company.
This can potentially save you from making an unnecessary claim, which could lead to increased premiums or even a denial of coverage in the future.
Preventing Future Damage
Aside from repairing current damage, a roofing contractor can also provide recommendations on how to prevent future damage. This may include regular inspections and maintenance, as well as suggestions for improving ventilation or upgrading materials. By taking proactive measures, you can help extend the lifespan of your roof and avoid costly repairs down the road.
When Should Repairs Start?
This is an important part of the equation. While you should call a roofing company first before you call the insurance company, you should NOT start repairs before you’ve contacted the insurance company.
Why?
Because the insurance company will need to assess the damage and determine coverage before any repairs can be approved. Starting repairs without their approval may result in your claim being denied.
Once you’ve contacted the insurance company, they will typically send an adjuster to inspect the damage and provide a repair estimate. At this point, you can work with your roofing contractor to compare estimates and ensure that all necessary repairs are covered by your insurance policy.
In some cases, there may be discrepancies between the adjuster’s estimate and the contractor’s estimate. In these situations, it is important to communicate with both parties and provide any additional evidence or documentation needed to support your claim.
What Do Insurance Adjusters Look For?
When an insurance adjuster does come to look at your roof, they are generally looking for three things:
Roof Installation Issues
The adjuster will check to see if your roof was installed properly and meets building code requirements. If they find any installation issues, this may affect the coverage of your claim. This is why it’s absolutely essential that you work with a reputable roofing company when installing or repairing a roof.
At M&M Roofing, we have over 40 years of experience dealing with roof insurance claims and can ensure that your roof is installed correctly and meets all building codes. When it comes to roofing materials and quality craftsmanship, we’re second to none.
Looking for a trustworthy roofer to help with your roof insurance claim?Call us today.
Roof Damage
The adjuster will also closely inspect the damage to your roof, taking note of any missing or damaged shingles, leaks, and other issues. They may also take photos and measurements to include in their report.
To ensure that all damage is accounted for, it’s important to thoroughly document the state of your roof before and after the incident. This can include taking pictures or videos, as well as keeping receipts for any previous repairs or maintenance.
Age of Roof
Lastly, insurance adjusters will consider the age of your roof when assessing damages. If your roof is older and already in need of repairs or replacement due to natural wear and tear, this may affect the amount of coverage provided by your insurance company. It’s important to regularly maintain and repair your roof to avoid any issues with coverage in the event of a claim.
Importance of Having an Experienced Roofing Company
Having a reputable and experienced roofing company like M&M Roofing is crucial when dealing with insurance claims for your roof. Not only do we ensure that your roof meets all building codes and standards, but we also provide thorough documentation and evidence for your claim.
Our team works closely with insurance adjusters to ensure fair coverage for our customers. Additionally, our skilled and knowledgeable technicians can accurately assess any damages and provide top-quality repairs or replacements.
Final Thoughts
So should you contact the insurance company or the roofing company first? Now you know the answer.Â
If you have roof damage, contact a roofing company first.
Yes, roof damage can be a stressful and overwhelming experience, but with the right insurance coverage and a trusted roofing company by your side, you can rest assured that your roof will be in good hands.
M&M Roofing is here to support you throughout the process and ensure that your roof is restored to its best condition. If you live in Houston, San Antonio, Austin, Beaumont, or Lake Charles, contact us today for all your roofing needs. Whether it’s repairs, maintenance, or a full replacement, we’ve got you covered.
