How Routine Maintenance Can Save You Thousands and Your Guide To The Roof Insurance Claim Process

How To Complete Roof Insurance Claim

Have you ever given thought to what condition your roof is in? “It ain’t broke, don’t fix it,” right? Well, when it comes to your home’s roof, that could be costing you thousands of dollars.

In this blog, we will discuss the importance of routine maintenance.

Roof Insurance Claim Secrets

See, there is a little-known fact to many homeowners: your insurance policy can cover the total cost of replacing your roof. I have Allstate, I am in “Good Hands,” or I am covered by State Farm “Like a good neighbor.” Why have I never heard that, you say?

Well, it is because these companies want to keep it a secret. After all, if you were on the cooperate board of one of these companies, would you want your millions of policyholders to know they can get their roofs replaced on the insurance company’s dime?

That is a big fat NO. Fortunately for all of you, many great companies all over the country are willing to take on these giants and get their clients what they deserve. The insurance claim process can seem daunting, but it is pretty painless when you have a dedicated professional in your corner.

5 Steps to The Roof Insurance Claim Process

Here are five simple steps to the roof insurance claim process (the good news is your contractor handles most)

  1. Conduct your routine maintenance – This is a money-saving step. If your contractor can find damage caused by a storm in the last two years, then you can move on to the next steps.
  2. File a claim – This takes about 15-20 minutes. They ask you some general questions about the type of damage and schedule an insurance adjuster to come out and do their own inspection.
  3. Adjuster inspection – An insurance adjuster will come out and conduct their own inspection of the damage the contractor identified. This is the opportunity for your contractor of choice to participate in the insurance process. They show the adjuster damage they identified and discuss the legitimacy of the claim.
  4. Approval or Denial – The adjuster will review all of the evidence from the information obtained during the inspection. They will either approve the claim and send you an estimate, or they will deny it, and you are back where you started.
  5. Install your new roof- Assuming you got approval, this is a grand slam. The contractor of your choice can now begin the process of scheduling your home for a new roof installation.

How Regular Roof Routine Maintenance Can Save You Money

At this point, you are probably wondering, “this sounds great, but where am I saving money?”

Well, here is the golden ticket… this brand new roof that you have just been approved for, this massive upgrade to the look of your home, this project that injects equity into your investment.

The only cost to you is your deductible. That’s right; you get a brand new roof, a 10-50K project, for the cost of your deductible!

For most American homeowners, that is somewhere between $500-$1,500, and we know that isn’t a pittance to most people. But it does pail in comparison to coming out of pocket for the entire cost of a new roof.

That free or cheap inspection offered by many roofing companies; could wind up saving you thousands.

Next time you think about cleaning out those gutters or encounter a roofing company on your door. Go ahead and save yourself thousands by conducting that routine maintenance inspection!

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    By Big Time Roof Team | Jun Fri, 2022| Roofing Advice