If your roof has sustained weather-related damage and your home insurance policy provides coverage for this type of damage, here are the steps to follow when you file your insurance claim:
- Document the damage – this is the first step toward compiling your insurance file. You need to take photos and video footage of the damage right after it occurs to be able to prove that your insurance claim is justified;
- Get a repair estimate – your claim can only be accepted if the amount you are requesting is backed up with evidence as well as an accurate cost calculation prepared by a professional roofer. Hire a roofer to check your damaged roof and to provide a detailed estimate of the roof repair you need;
- Fill in the forms and follow the procedures – each insurance company has their own requirements and procedures for filing insurance claims. Figure out the steps that you need to cover – if you need help, you can turn to your licensed Erie roofing company, to your insurance agent or directly to your insurer;
- Talk to the insurer’s adjuster – your insurer will probably send a specialist of their own to check the damage site and to make an offer regarding the compensation that the insurance company considers reasonable.