How To Document Roof Damage For Insurance Purposes

Making a claim for your insurance with respect to roofing damages may, at times, seem quite an uphill task considering that you are in most cases contending with roof damage. But taking the time to document the damages accurately can make all the difference in ensuring that you receive every cent that you need to provide for the repair.

Begin with a Detailed Roof Inspection

You should first perform a significant amount of roof inspection. Proper roofs may have loose shingles, cracking, or even holes as well as evidence of leakage in some cases. A ladder can enable you to view the area in its entirety; however, you might want to consider the use of a drone in case your roof tends to be very steep or quite difficult to access. Do not skip any edge. Report any apparent damage even if it is as slight as a small scratch.

Take Clear and High-Quality Photos

It is necessary to damn proof one’s insurance roofing claim, and photographs will fit in perfectly well. You need to take numerous photographs from different angles to cover the damage extent. Make sure that the photographs you take are clear and therefore focused and that you take some close up photos that detail particular aspects. In addition, it would be of worth to capture some pictures of the entire roof including some areas, which are intact to demonstrate the regions that have been damaged.

Document the Cause of the Damage

If possible, tell the cause of the damage and try to prove it. Was a storm to blame? A falling tree? A hailstone assault? How was the damage? Details have to be included in the notes and other proofs, for example, broken branches or weather reports have to be collected. This would help you explain the need for roof repair to your insurance provider and expedite the reimbursement process.

Collect Written Estimates from Roof Repair Professionals

One estimate is never sufficient. Try and reach out to a couple of roofing companies and request written estimates for the repair work if it needs to be done. Ensure that, this time, every estimate letter contains a description of the damage including the repairs to be carried out and damages expected. This gives you a better idea of the repair costs and shows the insurance company that you’ve done your homework.

File Your Claim Promptly and Follow Up

When it comes to making an insurance roofing claim, there’s no time to dawdle. Documents, photos, estimates, and receipts should be sent with the claim. Ensure that you have filled out all forms as they are required and availed all relevant information. Don’t forget to call your insurer as many times as possible to have an update on your case. This demonstrates your commitment to your claim and puts pressure on your case progress.

Understand Your Policy and Your Rights

Even before you commence the undertaking it is important that you go through your insurance policy. For instance, know which type of coverage is provided and which is not. While some policies include a complete roof replacement, some policies would include only a repair. It is very satisfying to be conversant with your rights as you approach an insurer as it will help you excel in negotiations.