Filing a Claim (Best Practices)

Post-Storm  

In general, after any event that affects their home, the homeowner should take photos immediately! 

-If possible, try to find some photos of the property recently before the storm, this will be a huge aid in the process later.

-The contractor will perform an initial inspection to see if the damage qualifies for a claim. 

 

Review Policy 

Every policy can vary. Gather together all your home insurance documents. 

- Verify the coverage. The declarations page of the policy should have this information. The contractor should craft the estimate around the policy type.

-The policy will have the deductible clearly outlined, it is the homeowners only financial responsibility when the claim is approved. 

 

Contact Insurance 

-In the initial call, the homeowner will have to verify information and report the incident. * Notate the claim number given. 

-Notify the insurance company that you will be working with your contractor of choice on the restoration. Emergency repairs can be addressed at this time. 

 

Claim Paperwork 

The insurance company will have the homeowner fill out additional paperwork regarding the claim.

-Remember, the contractor will help you provide a detailed report to submit to the insurance company. Don't submit any documents to the insurance company without reviewing it with your contractor first.

-If you have suffered additional loss due to the same storm (like personal belongings) you should document and report that as well.  

 

Temporary Repairs 

-The contractor will recommend temporary repairs or tarping be completed to decrease the likelihood of further damage while the roof is vulnerable.

-These initial repairs may need to be paid out of pocket while the claim is being reviewed, but they are very important to complete as soon as possible.

-The contractor will add these services to the claim and will fight to get it covered as well.