How A Roofer Can Help You Deal With Homeowner's Insurance Claims

If you are experiencing an issue with your roof, you should find a roofer who can help. Of course, some offer more assistance than others, especially when you also have to deal with your homeowner's insurance provider. Consider the ways that some roofers may offer to help you during this process.

Sometimes roof damage is not obvious. Leaks and major damage are usually easy for you to spot, and they may prompt you to call a roofer near you for help. However, since you likely rarely see the top of your house, it may be hard to tell if it is damaged. This is why, after a major storm, you should ask a roofing specialist to check out the top of the house to look for issues that need to be repaired. This type of inspection is often free, and the bonus is that some roofers will help you contact your insurance company if any issues are detected.

Of course, you probably have a deductible to pay before the coverage kicks in. This may be hundreds or even thousands of dollars, so you need a roofing expert to give you a quote so you know whether to pay for it on your own, or get your provider to pay for it. Not surprisingly, you will be advised to pay for it yourself if the cost is less than your deductible, or if you have made several claims in the past and are worried about being dropped by your provider.

Once you have decided whether to use your insurance coverage, you will need to report the issue and meet with an adjuster. This person will decide whether the repairs will be covered, and how much the provider is willing to pay. Some adjusters may try to downplay the issue or claim that repairs are not needed. They may also say something can be repaired when it really needs to be replaced entirely. This is why it is good to have your roofer present during the adjuster's visit. He or she can offer a form of support, letting the adjuster know that the issue needs to be fixed properly and paid for through your policy.

Once a contract is figured out and the work starts, the roofer you choose should help you decipher and fill out paperwork. You will probably have to sign a few agreements before the job is done, and you may need help figuring out what it all means. In addition, many good roofers submit the invoice to your provider, which means you do not have to act as a middleman by cashing a check from your insurance company and then writing a new one for the roofing business. Instead, the specialist you work with should be able to figure all of this out so as not to take much of your time.

If you simply know the top of your house needs to be repaired, and you do not have time to deal with lots of phone calls and paperwork, find a roofer who is willing to do this for you. This can save you time and trouble, allowing you to have a brand new roof without much work on your end.