You may be asking yourself the most important question: “Will insurance cover storm damages?” Insurance generally covers storm-related issues, such as hailstorms and snowstorms. Only file wind damage claims for roof insurance if there are severe storms.
Hail damage to metal roofs is often not covered by homeowners’ insurance. Normal weather events are not covered by insurance companies.
Floods are not covered by standard homeowners insurance. If your roof insurance does not cover storm damage, make sure you have additional coverage.
How to Make Roof Damage Insurance Claims
It can be difficult to file a claim for roof damage insurance. These claims are sometimes rejected by insurance companies. Let’s look at how to claim roof damage on your insurance.
Assess the Damage
To determine if insurance will cover storm damage, the insurance company might request photos of all affected areas. To get the photos, do not take unnecessary risks. If the conditions are hazardous, let the insurance adjuster handle the job.
Check Out Your Policy in Detail
It is a good idea to review your policy before you file a claim for roof damage insurance. You may be able to save money by excluding hail and wind damage roof insurance claims. Many metal roofing policies do not cover hail damage claims.
Contact Your Insurance Company to Work With an Adjuster
Calling your insurance company is the next step to filing a claim for roof damage. The faster your insurer sees the damage, the sooner you will receive your payout. In many cases, insurance covers storm damage.
This post was written by Ted Williams! Ted is the owner of A Old Time Roofing, one of the best roofing companies in Saint Petersburg, FL! Ted is a Master Elite Weather Stopper GAF Roofing Contractor, a double award winner of Best Steep-Slope Contractor from GAF and achiever of Master Elite Consumer Protection Excellence from GAF. He has been serving the Pinellas County area since 1978. Old Time Roofing has a tradition of quality workmanship, servicing residential and commercial properties.