5 Easy Steps To Get Homeowners Insurance To Pay For Your Roof Replacement Project

Regardless of the reason behind your roofing damage, extensive roof repairs and replacement can prove to be an expensive proposition for an average homeowner. That’s because many homeowners still have no idea about how to get home insurance companies to pay for their roof repairs or a new roof. Getting insurance approvals successfully is the key to dramatically reduce your out-of-pocket expenses in your roofing project.

Dealing with an insurance company can be quite intimidating for inexperienced homeowners. But, if you need a brand new roofing system without breaking a bank, knowing the ins and outs of insurance claims can be a worthwhile investment.

Let's take a look at a few steps that you can use immediately to get your insurance company to pay for your roof repairs or replacement.

1. Know the Intricacies of Your Insurance Policy

Knowing how to get your insurance provider to pay for a new roof starts with gaining some understanding of your insurance policy. The first thing you should know is that not all insurance plans are created equal. So, pay close attention to the terms and conditions mentioned in your insurance policy before you can even think of getting assistance from your insurance company for your roof replacement.

If it is clearly stated in your policy that your issue is not covered then there is no use in continuing your conversations with them any further. On the other hand, if your roofing problem is adequately covered, or if you are uncertain about the same, then proceed to the next steps.

2. Properly Document All Damage before Filing Your Claim

The best way to document your roofing damages is to use photos with proper timestamps. Make sure to include both before- and after-damage pictures of your roof with respective timestamps. This will help your insurance company to know when the damages had occurred. Once you have collected sufficient evidence and all your documents are in proper order, move forward to filing your insurance claim.

3. Get Professional Assistance

In some instances, you will require a professional roofing assessment to get approval for your insurance claim. Probably, the best way to assess your roof damage, besides pictures, is to get the opinion of an experienced roofer. A quick and thorough professional roof inspection will help you get a professional assessment of your roofing system. This will act as proof of what kind of services you need to bring your roof back to its original condition.

When it comes to getting a new roof by utilizing your insurance policy, keep in mind that your insurance company isn't your enemy. They just need enough evidence before paying for your roof replacement and a trusted roofer can help you get exactly that for fast approvals.

4. Get an Estimate

When you hire a roofing contractor to inspect your roof for damages, you and your insurance provider should know the cost of your roof replacement project. So, make sure to request an estimate for your new roof when you hire a roofing contractor.

5. Beware Of Roofing Scams

Whether it's the involvement of insurance companies or you’re undertaking large scale home remodeling projects, as a vigilant homeowner, you should never rule out the possibility of scams. This is especially true after big storms. Fly-by-night roofers often approach homeowners and try to scam them by offering poor quality services at ridiculously low prices.

To make sure you're working with a legitimate roofing company, check their liability insurance and other documents to determine their reputability. You can also ask for their business address, to check their license. Every well-established business nowadays has its reviews available online. Make sure to check the reviews of shortlisted companies to see the type of complaints they have received in the recent past.

If you've successfully completed the above steps and your insurance company has accepted your claim, congratulations! The rest of the process is just fulfilling their requirements and hiring a trusted roofing contractor Covington to get your roofing system replaced.

Get In Touch With the Most Trusted roofing Experts

At Magnolia Roofing, we have experience and knowledge of working with almost every major insurance company in the region. We can help make your insurance claim and roof replacement process as effortless and smooth as possible. Call Magnolia Roofing at 985-200-4812 to get a free estimate now or schedule a free consultation today.