Our roofs spice up the beauty of our homes and offer protection from pests and adverse weather elements. That’s why roof damage calls for immediate repairs. If you have homeowner’s insurance, you may save yourself from unexpected costs. While we are all conversant with the importance of homeowner’s insurance, we may not know what to do when the roof damage is finally on our doorsteps.
Additionally, compensation after roof claims in Florida is not guaranteed. With that, it may be helpful to be knowledgeable about the steps to a successful roof claim.
The process for roof claims in Florida
- Know what your insurance covers
Have you ever studied your homeowners’ insurance policy in detail? If you haven’t, now will be the time. If you have no copy of the policy, your insurance agent will offer one. Most roof insurance in Florida consists of two forms; repair and replacement coverages. For the repair coverage, it may repay a percentage of the total repair costs. As for a replacement, it may cover a wholly damaged roof. Find out Florida homeowners insurance roof age for assured replacements.
But first, what is the cause of the damage? Homeowners’ insurance may not compensate for some damages based on the location, cause, and policy. Typically, a hailstorm can be covered by the policy because it’s an unexpected occurrence. But for roof insurance in Florida, hurricanes happen all the time and, therefore, are not covered. Instead, homeowners take hurricane-related coverage. Additionally, if you didn’t take the necessary precautions or had an unlicensed technician install or repair your roof, you may have to blame if all the repair costs are on you!
- Damage documentation
Ensure you document the damage and file a claim as soon as possible by taking explicit photos of your home’s interior and exterior. Ensure to note down the date and if a hurricane damaged the roof, get online and find articles about the events to validate your roof claim Orlando. Afterward, find out from your insurer’s website about how to submit your roofing claims. To avoid non-compliance, ensure you know the deadlines of the submissions.
- Find the right roofing company.
If ladders are not your specialization, a roofing company may help with an inspection once you file the claim. Not all roofing companies are experts with roof claims, so finding the appropriate one is crucial. After a professional assessment, they will draft a report, which you can give to your insurance agent. If you don’t hire an inspector, your insurer will. Since the roofer represents their interests, they may find reasons to lock you out of the compensation.
- Watch out for insurance scams!
When money is involved, you need to look out for scammers who are out to rip where they didn’t sow. Don’t be fooled if an insurance agent is going door to door with all kinds of promises! They may even promise compensation for an old roof, which is not realistic. Awaken your investigative instincts. For instance, do they have a physical address? Are they licensed to handle roof replacement in Orlando? How are their reviews if they have an online presence?
- Approval or denial of the claim
Once you have submitted your roofing claims and had a professional inspection, the insurer will have to decide. It may take approximately two weeks. If they deny your claim, you could find a good attorney and appeal. However, this is not feasible for all insurance companies, so find out beforehand.
If the claim was approved, let the contractors work on the roof. Afterward, ensure you have a roof inspection and maintenance from time to time with a licensed roof contractor to increase the chances of compensation in case of a future claim.
Contact Us
Do you wish to employ professional inspections for roof claims in Florida? RoofingClaims.com is a roofing and construction company in Orlando that strives to ensure our clients enjoy the best services. Call us today to find out!
Recent Comments