If your roof has been damaged by weather or falling branches, an insurance claim will fund your roof replacement or repairs as needed. However, not all claims are granted, so be smart about your application. Here are a few tips to give you the best chance of having your repairs covered.

How to Have Your Insurance Company Cover A Roof Replacement or Repair

1. Act Immediately

Right after a storm or any other event that could have damaged your roof, look to see if there are any missing shingles or structural problems. Waiting to get these issues fixed can make them worse because of ongoing weather conditions or the weight of debris, so acting quickly means there’s less damage to repair. It will also help prove to your insurance company that the initial incident was the cause of all the damage, not negligence. Finally, your insurance company will have a deadline for making claims, so starting immediately ensures you’ll meet it.

2. Document Everything

When you see damage to your roof, take multiple photos from different distances and angles. This helps prove the extent of the damage and when it happened. Also, schedule an inspection with a professional roofing contractor. They can confirm the problem and provide a written estimate for roof replacement or repairs, which your insurance company may want to help them make a decision.

3. Work With Your Insurance

Your insurance company has specific processes in place for filing claims, so follow them to avoid mix-ups or technicalities. Your specific policy also has rules about what is and isn’t covered, so if you’re not clear on your coverage, clarify this with your provider before making your claim. This will help you understand what to include in your claim and what results to expect.

When your insurance adjuster visits to inspect the damage, talk with them, and point out details they might miss, such as underlying structural damage. The more closely you work with your insurance company, the more informed you’ll both be. Your involvement will help the claims process go more smoothly, with less of a risk for you to file appeals due to a misunderstanding.

If you need help filing a roof replacement or repair claim with your insurance company, contact Midwest Shake & Shingle in Denver, CO. With almost over 40 years of service, they’ve handled over 17,000 claims. They can provide roofing inspections and written reports, as well as advising you on filing your claim. Call (303) 763-7663 or visit their website to learn more about their services.