How Insurance Companies and Roofing Contractors Work Together

Posted on: July 9, 2018

Roofing contractors are key players in ensuring you get the full amount you deserve from your homeowners insurance company after damage from a storm or falling tree.

While insurance companies and their adjustors are experienced in making accurate assessments, you still deserve an expert on your side, and that’s what a smart local roofing company can be for you.

Insurance Companies and Roofing Contractors

Step One: Take Detailed Notes

After any storm, make sure you fully document all damage to your roof through pictures and videos. You should also document the local forecast, such as wind strength measurements, rainfall amounts or snow accumulation. These components are all an important part of proving the severity of the storm that’s caused roof damage.

Step Two: Find a Reputable Roofer

Next, find a roofer that is bonded, licensed and insured in the town you live. Look at past ratings and reviews to help screen companies. You can also ask your friends and family for recommendations.

Call the roofer you would like to use and see if you need any immediate repairs. In cases of extreme damage, it might be necessary for the roofer to make some temporary repairs to ensure the damage doesn’t get worse — for example, putting a tarp over a hole in a roof.

These types of measures are normally approved by homeowners insurance policies.

Step Three: Schedule the Adjustor Meeting

The next step in the claims process is to have the insurance adjustor come to your home and examine the roof. This is when it’s helpful to have your roofer on site as well to provide their own reasoning for the repair costs. Often, when a roofer’s opinion is provided, it makes the claims adjuster’s quote more accurate and fairer for the homeowner.

Step Four: Get Your Roof Repaired

Once your insurance company approves the adjuster’s quote, after reviewing all information provided, including the quote from your preferred roofing contractor, they will approve the funds release and you will only be responsible for paying your deductible. Having a roofer involved from the beginning helps the process go smoothly and ensures the repair process starts sooner.

We Can Help

At The Roof Doctor, our focus is on making sure you get the roof repairs you need. Using our experienced assessment skills, we are able to provide a repair estimate for your roof damage. We know you have your choice of roofing contractors, and we appreciate our Utah customers trusting us with their home.