How to File an Insurance Claim on Roof Damage

Home insurance is a requirement in most states. However, many homeowners don’t fully understand their policy or how to use it when they need it. There’s no doubt that weeding through the fine print to see what’s covered and what’s not can be exhausting and overwhelming. The process of filing a claim can be even more daunting!

That said, insurance can be a great help if you have roof damage and understand how to play the insurance game. It also helps to have an experienced roofing contractor in Arkansas on your team, one who knows how to work with insurance adjusters. 

If all this sounds like Greek to you, here’s a quick primer on what you can expect when filing a claim for roofing in Arkansas.

Get an Inspection

The first thing you’ll want to do is hire a reputable roofing company in Arkansas to assess your roof’s damage. They’ll mark any dents or dings with chalk. They’ll also take photographic evidence that will come in handy when filing your claim. 

At the end of the inspection, they’ll provide you with a detailed report of what’s required to correct the damage. Sometimes a total roof replacement is unavoidable, but often, a few repairs will do the trick. You can use your roof inspection report and documentation to communicate with your insurance carrier.

Call Your Carrier for Coverage Details

Next, you’ll want to call your insurance provider to review the details of your homeowners policy. You might be prepared with a list of questions to ask related to your coverage and the issue you’re calling about. For example, some policies only pay the current cash value of your roof and won’t cover the actual cost of a total roof replacement in Arkansas. Other conditions like age, type of materials, and proof of maintenance also impact the payout. Either way, getting this information will help you determine your next steps.

Find a Local Roofer

Once you know the ins and outs of your policy, it’s time to make a decision about who will complete the work. Check out local reviews and speak to your friends and family about recommended roofers in the area. A roof replacement in Arkansas — or any roofing work, for that matter — is expensive. Hiring a reputable team is critical. And local professionals are better than national chains.

File Your Claim and Schedule an Adjuster

Last, but not least, it’s time to get your claim filed! Work with your insurance agent and your chosen roofing professional to provide all the necessary documentation. If the interior of your home was impacted, provide all receipts for any emergency repairs made. In addition, if you need a hotel room or a rental car, include these costs in your claim. An adjuster hired by your insurance provider will probably want to eyeball the damage before committing to a payout amount, so plan on having this scheduled as well.

Shamrock Roofing and Construction Helps with Insurance Claims

The team at Shamrock Roofing and Construction can help when you have roof damage and suspect you need to file an insurance claim. We know the ins and outs of the insurance world and can help you navigate through the claim filing process. We’ll also help with top-notch roof repair services if it turns out that’s what you need. Contact us today to schedule a free roof inspection for your home. Let’s get to know each other — before you need our help!