As a roofing expert with years of experience, I have seen firsthand the consequences of homeowners not consulting a roofer before filing an insurance claim. It may seem like an extra step, but it can save you time, money, and headaches in the long run. When you call a roofing company to assess the damage, you are ensuring a thorough and accurate inspection. Unlike insurance adjusters who often only look for surface damage, roofing experts dive deeper to find underlying problems such as water damage. By identifying these issues early on, we can prevent them from worsening and causing more damage to your roof.Roofing companies that regularly process insurance claims are well-versed in the insurance claim process.
We know how to read your claim, how to fight for everything to be included in the insurance budget, and how to complete the job in accordance with your insurance company's guidelines. This ensures that you receive the proper coverage and that the job is done correctly. Another benefit of consulting a roofing contractor before filing an insurance claim is that we can prevent you from inadvertently committing insurance fraud. Some contractors may request a deposit before materials are delivered, but this is not necessary. The initial check from your insurance company is intended to cover the cost of materials.
Additionally, it's important to note that there is no state license for roofing in Colorado. The contractor you choose must obtain a permit from the local jurisdiction and display it in your window before starting the project. Once the project is completed, your roofing contractor should provide you with information about the workmanship and warranty of the materials used, as well as proof that the final inspection has been passed. If there are any issues with the work, it can jeopardize your insurance claim. Deciding whether or not to file an insurance claim can be a difficult decision, and it's one that requires information that can only be obtained from a roofing expert. To help you make an informed decision, I have put together a checklist of questions to ask your roofer before filing a claim.
This will ensure that the company is held accountable for the quality of their work and services for your next roofing project.
Why Insurance Companies May Not Renew Your Policy
Old roofs are more susceptible to damage than newly installed ones, which is why some insurance companies choose not to renew policies for homes with older roofs. However, when it comes time to file an insurance claim, there are a few things to consider before hiring a roofing contractor. First and foremost, you should know what your insurance company covers and what your out-of-pocket expenses will be, including deductibles and any improvements you may want to make. While some homeowners may be hesitant to share this information with their roofing company, it is crucial in ensuring that the budget for your project includes everything needed. The roofer you hire will work with your insurance adjuster to ensure that the budget covers all necessary expenses. They can also provide you with valuable information to help you make an informed decision about filing a claim.For example, if you have an RCV (replacement cost value) policy, you will need proof of completion to ensure that all items included in the insurance estimate were also included in the contractor's scope of work.
