If you’ve ever experienced a bad hailstorm, you know just how destructive those chunks of ice can be. Unfortunately, a single storm can destroy the roof. Luckily, however, this is the reason you have home insurance. Know how to leverage the claims process to have the roof replacement covered using the helpful guide below.

How to Make a Roof Replacement Claim 

What to Expect

Many homeowner’s insurance policies will cover hail damage under the “Act of Nature” or “Act of God” section of their coverage. However, how much of the roof replacement is covered will depend on your unique situation. For example, if your home is older than 10 or 20 years, the insurance company may determine that the roof has received a lot of wear and tear.

Rather than completely covering the cost of the replacement, they may calculate the depreciated value and reimburse you for that amount. If they cover the cost of the replacement, they may provide rules regarding the materials you can use for the new roof. For example, you might need to choose a material that is designed to tolerate wind and hail.

How to Streamline the Process

Review your policy to determine what it covers. Then, contact your agency to inform them of the damage as soon as possible. It’s important that you don’t do any work on the roof until they’ve had a chance to look at it.

They will likely have an inspector come by to confirm the claim. You can then ask them whether they have any rules regarding the roofing contractor you use for the replacement. If they give you the freedom to hire your own, choose a contractor who will work directly with the insurance company. This direct communication will spare you the hassle and will make it easier to have your expenses covered within a reasonable time frame.

The roofing contractors at A-2-Z Roofing & Siding in Kingman, AZ, are experienced with coordinating insurance claims. This certified crew offers free estimates and will use materials from the best suppliers to ensure your roof replacement lasts. Learn more on their website and call (928) 757-2071 to request your free estimate.