Tips on Navigating a Roof Insurance Claim

Has your roof been damaged recently? It could have been from a storm, some falling tree limbs, a fire, or even broken shingles. Your roof could qualify for a roofing insurance claim.

Unfortunately, this can be a complex process sometimes. Here, we share some tips on how to file a claim with your insurance provider so that you can get Helena, MT roofing contractors to repair or replace it.

Review Your Insurance Policy

Before you call any repairers or even climb on the roof yourself, the first step is to review your policy. You don’t want to make any changes that the insurer won’t cover, and by the same token, you don’t want to go through an arduous process for coverage you never had.

Loo at the coverage and other sections, such as wind and hail damage, to figure out what you’ll need to pay for out of pocket and what the insurer will handle for you.

Find the Damage

If you proceed to file a claim, you’ll need to find the damage. Once you have found it, you can get roofing companies in Helena, MT to do an inspection.

This assessment will allow them to determine the seriousness of the damage and find any other damage that may have resulted. If you have metal roofing in Helena, MT, you might find it harder to find the damage, which is why you need an inspection first.

Get an Estimate

The next step is to get a written estimate from the roofers, not the adjuster. When selecting roofing contractors in Helena, MT, make sure you pick one that is reliable and can work with you on the price.

An insurance adjuster is someone who comes to your house and decides whether your claims are valid. Remember, they work for the insurer, so it’s in their best interest to give you as low an estimate as possible.

It is best to have the contractor inform the adjuster of the repairs you will need and present that estimate on the company’s letterhead.

Pro tip: Don’t get quotes from multiple roofing companies in Helena, MT. If you do, the insurer will most likely go for the lowest quote, which may not be the best roofer for your needs.

File Your Claim

Now, it’s time to file your claim. Itemize all damage in the claim, including any interior damages, like carpet or furniture. Metal roofing in Helena, MT, will most likely be expensive to repair, so make sure you do not give a low price for your claim if you do have a metal one.

Find Roofing Companies in Helena, MT

Make sure you sit down with roofing contractors in Helena, MT, to determine which repairs are covered by your insurance. After you do this, you can sign your contract, and work can begin on your home for roof repair in Helena, MT.

Tell the company your deductible and choose one that will charge you the same amount. That way, you can minimize how much you have to pay out of pocket.

Get Reliable Repairs Today

Helena, MT roofing contractors can help you navigate this tricky claim filing process, including the estimate, inspection report, deductible, and more.

Reach out today for reliable roof repair from a contractor who knows how to take on the insurers on your behalf.