1. Assess the Damage and Act Quickly
The first step in the insurance claim process is assessing the damage. Whether you notice missing shingles, water spots on your ceiling, or debris on your roof after a storm, acting quickly is key. Insurance companies typically require claims to be filed within a specific time frame, so don’t delay.
Pro Tip: After a major weather event, always perform a visual inspection of your roof from the ground. If you’re unsure about the extent of the damage, call us at Ivan’s Roofing for a free inspection.
2. Document the Damage
Before filing your claim, gather as much documentation as possible. Take clear, detailed photos of the damage, both inside and outside your home. This includes missing shingles, dented gutters, and any interior leaks or stains. The more evidence you provide, the stronger your case will be when filing a claim.
Homeowner Tip: Create a folder on your phone or computer to store all photos, receipts, and communication related to the claim. This will help you stay organized throughout the process.
3. Contact Your Insurance Company
Once you’ve documented the damage, it’s time to contact your insurance company to file the claim. Let them know what happened and provide them with the necessary details. An adjuster will be assigned to assess the damage and determine if it’s covered by your policy.
Important Reminder: Make sure to ask your insurance company about their specific process and what paperwork you’ll need to complete. Each company can have different requirements.
4. Schedule a Professional Roof Inspection
After you’ve filed your claim, schedule a professional inspection with a roofing contractor, like Ivan’s Roofing, who is experienced with insurance claims. We’ll thoroughly inspect your roof, document any additional damage the adjuster might miss, and help you understand the scope of repairs.
Why Choose Ivan’s Roofing: We work directly with your insurance adjuster to ensure all damages are accurately reported and nothing is overlooked. Our team specializes in insurance claims, making the process smoother for you.
5. Meet with Your Insurance Adjuster
Your insurance adjuster will need to assess the damage in person, and having your roofing contractor present during the inspection is critical. Ivan’s Roofing will represent your interests, ensuring the adjuster sees all the damages that need to be addressed and provides the correct coverage for repairs.
Expert Insight: Insurance adjusters are focused on minimizing costs for the insurance company. Having a professional on your side ensures you receive the full coverage you’re entitled to under your policy.
6. Review the Insurance Estimate
After the adjuster’s visit, your insurance company will provide an estimate of the covered repairs. This is where having a contractor you trust, like Ivan’s Roofing, really pays off. We’ll review the insurance estimate and ensure it accurately reflects the repairs needed to restore your roof to its proper condition.
Homeowner Advice: Be sure to understand what’s covered and what’s not. If there’s any discrepancy in the estimate, we can help negotiate with your insurance company to make sure nothing important is left out.
7. Get Your Roof Repaired or Replaced
Once the claim is approved and you receive your estimate, it’s time to get the work started. At Ivan’s Roofing, we’ll work with you to schedule the repairs or replacement quickly and efficiently, ensuring your home is protected and back to normal in no time.
What to Expect: We use only high-quality materials, and our experienced team is GAF certified, so you can trust that your roof is in good hands. Plus, we’ll keep you informed every step of the way.
8. Finalize the Insurance Claim
After the work is completed, you’ll need to submit the final invoice to your insurance company to finalize the claim. In many cases, you’ll receive the remainder of your claim payment, called the "depreciation," after the work is done.
Pro Tip: Keep a copy of all receipts and documentation, as they may be required when finalizing the claim or if you need to reference them in the future.
Conclusion:
Filing a roofing insurance claim doesn’t have to be a headache. By following these steps and partnering with a trusted contractor like Ivan’s Roofing, you can navigate the process with confidence and ensure your home gets the protection it deserves. From the first inspection to the final repair, we’re here to help every step of the way.
If you think your roof may have damage or want to learn more about how we can assist with your insurance claim, give us a call at 219-308-7784 for a free inspection today!
