If you live in an area where storms occur frequently, especially those known to create a lot of damage, ask your agent to explain exactly what is covered in the event of a loss. For instance, if you live in an area that is known for hurricanes, tornadoes or flooding, these are all factors that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined. At times, there are reports of individuals who suffer extensive storm damage to their home only to learn that their policy did not cover storm damage to the roof. Storm damage can cause a lot of problems with your roof, so it's important to make sure your insurance policy covers any problems that may arise if the unexpected should occur.

When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster. It is expected that, at some point, our roof will need repair. Our roof is essential to a home because, without it, we would be left out in the rain - literally.

If your roof is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage. Your agent will then advise you in proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It's important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of claims for storm damage.

After the initial contact with your insurance agent, you should receive a letter or telephone call from their department which handles claims for storm damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until your hear from your insurance agent. The adjuster may, however, provide you with an estimate on the cost to repair any damage that your roof sustained during a storm.

Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional. If you choose to hire a professional, ask them to provide you with a projected cost once they have reviewed the damage. During your initial conversation, explain that the funds will come from your insurance company's claims department, which handles the payment of roofing insurance claims for storm damage. Provide the projected cost information to your insurance company for processing. Depending on the company's policy, the funds may be paid upfront or after the job is complete. If the money is held until completion, have an invoice sent to the insurance agent for final payment.

October, 2005

Copyright 2005 Roofer 911.com. All Rights Reserved

by Steven Briesemeister. Reprinted courtesy of Roofer 911.com, roofing contractor serving Long Island, Queens, Brooklyn, NY and northern Virginia.