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Top 5 Tips for Filing a Roof Replacement Insurance Claim

Dec 17


Sometimes, the roof over your head needs to be replaced. It could be because of heavy storm damage, or it might just be time to upgrade from your old roof to a more energy-efficient one. Whatever the reason, you’ll need to file an insurance claim to get the money you need for your new roof. While this may seem like a complicated process, there are five key things you can do that will make filing a roof replacement insurance claim simple and easy for you.

1) Consult with an expert

After your roof has been damaged, whether from wind or hail, or any other source of weather-related damage, it’s important to reach out to a roofing expert as quickly as possible. An expert will be able to explain how much roof damage has occurred and what it means for your home insurance claim. Most importantly, they can help you prepare so that your claim is processed quickly and efficiently. Before you make an appointment with an expert, keep these five tips in mind

2) Consider your property value

Making sure your home is up to date and reflects your property’s value will help you avoid a roof claim denial. It may be tempting to get by without updating your home’s facade, but doing so will make it more difficult if you want to sell or refinance in a few years. If you live in an area where there are frequent storms or near a water source, then consider switching out shingles for materials that can withstand wet weather conditions.

How Consider your property value?

when filing a roof replacement insurance claim, it’s always important to consider how much your home is worth, and how much money you’re willing to put into repairs. While insurance companies will often reimburse homeowners up to $30,000 or more in these cases, some people will choose to use that money for other uses (such as paying off their mortgage or remodeling). By knowing how much value your home has when considering these claims, you’ll be better prepared.

3) Understand the terms and conditions

To file an insurance claim, there are certain key terms and conditions that you should be aware of. Each insurance company is different, so it’s important to understand all these conditions before jumping into filing a claim. This can vary from deductible amounts to property coverage limits, and more. Be sure you fully understand everything before submitting your claim as there may be penalties or fees incurred if you don’t follow these terms exactly as listed in your policy.

What are the terms and conditions?

Before you sign any papers, have an insurance agent or lawyer walk you through all of your policy’s terms and conditions. Different policies will vary greatly, so be sure to know what your policy covers before going under that roof. 

The replacement cost is based on how much it would cost to replace your house with one of similar value. If you live in an area where property values are rising quickly, then it might make sense to get more coverage than necessary just in case you need it later on down the line. But if property values are falling, then having too much coverage could mean paying more premiums for longer periods without actually getting anything out of it.

4) Allow plenty of time for filing

Remember that roof damage public adjusters near me claims can take weeks or even months to settle, depending on how damaged your roof is. There may be a period where you are paying out of pocket, so make sure you have enough money on hand to keep your family going through that timeframe. The good news is that insurance companies prefer payment faster rather than later, so it’s likely that you will be making progress toward compensation even before your claim has been settled in full. If your insurer tries to delay compensation, contact us at Mesa Arizona public insurance adjuster and we will fight for what you deserve.

5) Keep copies of all documents

One of the top reasons roof claim denials happen is that people fail to keep copies of their insurance policies, estimates, and receipts. Store all documents in one location, whether that’s with your tax documents or scanned into an organized PDF folder. If you do receive an unexpected denial, having all your documentation will make getting clarification from your insurance company much easier.

Why Keep copies of all documents?

You should also be sure to keep copies of all correspondence with your insurance company and retain any original documents. This way, if you have any sort of dispute or need to file an appeal to get your claim settled, you’ll have everything you need.