If a severe storm damages your roof, you might require a roof replacement. Luckily, your homeowners insurance should cover this expense. Here are a few of the steps you need to take to ensure they pay out as promised.

How to Ensure Your Insurance Company Pays for a Roof Replacement

1. Research Your Coverage

You probably haven’t sat down and read over your insurance policy in a while. Do this to figure out what the insurance company owes you, and in which circumstances. The amount they may cover depends largely on the age of your roof. If it’s 10 years old or less, they should cover the cost of a full roof replacement. If it’s older, they might offer a depreciated value.

2. Find a Roofing Contractor

A reputable roofing contractor is your ultimate ally in getting your roof replaced. If the damage is significant enough, their first step is to physically cover the roof to prevent leaks. Insurance doesn’t cover damage that comes from a second storm while your roof has a hole.

3. File a Claim

Submit your claim within 30 days of the damage. Some insurance plans allow you to file 60 days out, but promptness is vital. If you file too late, they can deny your claim for that reason alone.

4. Have a Roofer Perform an Inspection

An inspector from the insurance company will come to your property and assess the roof. They’re looking for reasons to deny your claim, like faulty installation or lack of upkeep. Before the inspector comes, have your roofer perform an inspection of their own. They should check for anything the insurance company might use to deny your claim. If your insurance doesn’t pay, you can take them to court and use the roofer’s written inspection as evidence. Hopefully, it doesn’t come to that, and your insurance company covers your roof replacement. Alternatively, sometimes roofers and insurance adjusters perform joint inspections, which can work in your favor.

If you need a roof replacement or help handling an insurance company, contact Roofmasters in Delaware County, OH. They’ve been offering quality roofing services to residents throughout Ohio, Kentucky, Indiana, Pennsylvania, Tennessee, and North Carolina for over 35 years. They deal with everything regarding your home insurance claim, from helping you file the paperwork to meeting with the adjuster. Visit their website or call (614) 404-6272 to get started today.