What to Do After Major Roof Storm Damage, Part 2

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If your structure has dealt with recent storm damage and requires resulting roof repairs, the professionals at The Roof Doctor are at the ready. Our storm damage roof repair services are second to none, and on top of the highest-quality materials and technicians working on your roof, we’re also proud to provide assistance with assessing the scope of the damage and resulting insurance claims.

In part one of this two-part blog series, we dug into some of the immediate insurance-related areas you have to consider after storm damage impacts your roof. In today’s part two, we’ll look at the ins and outs of actually filing your primary claim when the time comes, plus a few important before and after areas to be sure you consider properly.
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Before Filing – Check Deductible

For starters, there’s one area to be diligent in checking before you enter the process of filing your insurance claim: Your insurance policy deductible. Take the time to get an estimate of the damage and the cost to repair it, something our pros are happy to help with, and then check this number against your deductible – if the cost won’t be too much higher than the deductible amount to begin with, you may decline to file the claim at all.

Reporting Claims

It’s important to stay on top of things here and make these determinations quickly. Here are some general tips on filing your claim once you’ve decided that this is the proper course of action:

  • Generally speaking, we highly recommend discussing the details of your coverage with an insurance adjuster, not with your insurance agent.
  • Your insurer can be a resource to you throughout this process, one you should lean on if you have questions or concerns. This is an experienced, objective party, one who often has connections with local contractors and can get you great deals on your repairs.
  • For those looking to handle their claims online, a growing number of insurers can process these claims seamlessly.
  • If you’re unsure about your insurance policy or looking for a new agent or policy, the Utah Insurance Department keeps an online search tool

Post-Filing Details

Throughout the claim process, even once you’ve filed, it’s vital to keep detailed records of all the damage on your property. If you choose to make temporary repairs while waiting on your claim, something we discussed in part one of this blog, ensure you have copies of receipts and any other documentation needed. We recommend keeping a phone log for all related calls made in this area.

In addition, a few post-filing details to be aware of:

  • The insurer has a minimum of 30 days to investigate the claim in question.
  • Within 15 days of filing your claim, your insurance company should contact you. Insurance companies should always provide a response within 15 days of a reasonable request.

For more on filing insurance claims following storm damage, or to learn about any of our roof replacement or roofing repair services, speak to the staff at The Roof Doctor today.

What to Do After Major Roof Storm Damage, Part 1

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At The Roof Doctor, we’re your full-service roofing company to call for all storm damage roof repair needs. Your roof can be heavily impacted by major storms, but we’re here to keep you and your family protected – and to assist you with the proper assessment of damage.

If and when windstorm damage causes significant issues with your roofing system, taking the right course of action from the beginning is vital to ensuring you stay protected without running up too high a cost. This two-part blog will detail a number of tips from both our pros and the Utah Insurance Department on how to react after roofing storm damage to ensure everything goes smoothly.

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Immediate Actions

Immediately after noticing significant storm damage on your roof, or even the signs of it like leaking water in attic or other nearby areas, there are a few things you should be thinking about:

  • Damage mitigation: To whatever degree you can accomplish this without risking your safety, try to protect the home from further damage. If you can cover the roof with a temporary blocker of some kind to keep further moisture from seeping in through damaged areas, this is a good start.
  • Documentation: Before attempting any significant repairs or removal of debris, take pictures and possibly video of the damage. Be detailed and specific.

Evidence: If you pay for temporary repairs, which we’ll detail in a moment, the costs here are usually covered by your insurance policy – so long as you have detailed receipts to provide.

Temporary Repairs

In some cases, temporary repairs to alleviate water damage or other immediate issues will be the proper route to take after storm damage. In these cases, you should only ever use professional contractors like ours for these repairs.

If you’re unsure whether a given contractor is properly licensed for these sorts of issues, contact the Utah Department of Occupational and Professional Licensing to find out. Also be sure to ask for a certificate of insurance from the individual contractor – even if a contractor is properly licensed, you should not hire them if they do not have the adequate insurance coverage.

Fallen Tree Removal and Insurance Coverage

In many cases, these temporary repairs or remediation services will involve removing fallen trees from the property. A few general tips on whether or not these areas are likely to be covered by your homeowner’s insurance policy:

  • Vehicle: If fallen trees have impacted and/or damaged any vehicle on your property, personal or commercial, it’s unlikely the vehicle will be covered under your policy. Rare vehicle insurance policies do have coverage for this area, but most also do not.
  • Property: However, trees removed from the home, sheds, detached garages or other structural areas will usually be covered by the homeowner’s insurance policy – though there may be a maximum dollar limit to be aware of here. Replacing the tree, however, usually is not covered here. If you’re unsure, speak to your insurance adjuster – not your agent – to find out more.

In part two of this blog series, we’ll go over some of the ins and outs of filing your insurance claim and ensuring you get the proper compensation for the damages that are covered. For more on this or any of our roof repair or installation services, speak to the staff at The Roof Doctor today.