Roof damage is never anything you want to deal with. But when it does happen, it is important to know how to handle it. If you are a homeowner, you most likely have homeowner’s insurance. If you wish to use your homeowner’s insurance to handle the roof damage in Plymouth Michigan, there are some necessary steps. There are some things you’ll want to do as quickly as possible to protect yourself and ensure you are properly covered as well which we will also cover.
How To Handle Roof Damage in Plymouth Michigan With Your Insurance
Storms can happen quickly and cause all sorts of damage to your home and especially your roof. Making sure you are properly prepared means you’ll need proper insurance. But it’s also important to understand just what to do when your roof has damage from one of these storms. Since storm damage can cause your home to become more susceptible to other types of damage it’s important to get things done quickly to protect the other areas and components of your home.
If your home does experience storm damage from one of these storms be sure to follow these tips for best results:
Know Your Policy
You should always be aware of your homeowner’s insurance policy and what it does and does not cover. Certain insurance companies will not cover roof damage, while others will cover roof damage up to a point. For example, many homeowner’s insurance policies will cover roof damage if it is reported right away, but won’t cover damage that has been neglected. They may also disclaim on roofs that do not have regular maintenance. There are very few circumstances where insurance will cover a full roof replacement.
Identifying Damage
Before you can file a claim, you need to know that there is damage. The best way to do this is by being proactive and performing regular inspections on your roof and attics. This can be done when performing routine maintenance, or after storms. You should also have a professional inspection done at least once every three years. Make sure you check your roof covering, gutters, and in your attic for any signs of damage.
Documenting Any Issues
You need to document the damage as much as possible when you find it in order to show how the damage is at that time. This serves two purposes for insurance. The first is that the insurance companies need to see as much as possible to make an accurate decision. The second is that roofs can worsen very quickly, making it possible for the roof damage to have escalated by the time the claim is approved.
File A Claim
Depending on what insurance company you use, they may have different requirements for filing a claim. But most of their websites will feature a claim section that will explain how to file the claim and what you will need. If you are not sure on anything, contact your insurance agent.
Once you claim is filed, the insurance company will process your claim and send out an insurance adjuster to assess how much damage there really is and what they will cover.
Find A Roofer
You will need to research and find a licensed and insured roofing contractor who has experience with the kind of damage you need repaired. After you have properly vetted them, you will then need to get a quote. It is recommended that you get several quotes from several different contractors. This can then be submitted to your insurance to show them just how much it will cost. They will then either approve this amount, or give you an adjusted amount that they find fair. Your insurance company will then write you a check for the contractor to pay them for the work.
Don’t Delay Repairs
The longer you wait, the worse the damage will be and the less likely your insurance will claim it. Stay on top of the problem and move quickly to guarantee you get the best results. For best results call a roofer that offers emergency services such as Home Pros Plymouth. They offer 24/7 emergency roof services and they are fully licensed and insured. Call them today at 734-548-9911 for more details.
