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Insurance Claims 2018-05-21T20:24:35+00:00

Insurance Claims and Roof Damage

Navigating the insurance claim process for roof damage can be time consuming and stressful.

Insurance adjusters, roofing contractors, and in some cases your mortgage company can make a homeowner pull their hair out in frustration. American Dream Home Improvement is experienced in managing the insurance claim process, and getting your home back to normal quickly!

Know Your Insurance Policy!

As with any insurance policy, some things are covered and some things are not. Purposely knocking a hole in your roof will not be covered. Storm damage most likely, will be covered. But exclusions aren’t always that cut and dry, as each insurance provider covers roof damage differently. Check your policy to find out if yours has any of these common exclusions:

  • Has your roof been properly maintained?

Insurance companies will often inspect the damage detailed in your claim. If your provider determines that the damage was due to or had a contributing factor of improper roof maintenance, you’ll be responsible for the replacement costs.

  • Certain roofing materials may not be covered

Some insurance policies won’t cover certain roofing materials, such as slate, recycled shakes or other “green” materials because of the extra maintenance costs.

  • How old is your roof?

Insurance companies will not provide roof replacements that are nearing the end of their expected lifespan, and may only cover part of the expense for a roof older than 10 years old. Every insurance policy and company is different.

In previous roof repairs, if you have placed new shingles over old, the insurance policy may not cover it, as most insurers won’t insure a roof with more than two layers of roofing material.

Repair vs. full replacement: In some cases, homeowners insurance will cover only roof repairs but not a complete replacement. Typically, insurance covers repairs, such as shingles missing after a storm. But if the damage means you need to replace the entire roof, your policy might not foot the whole bill.

  • If you haven’t already been doing so, you need to properly maintain your roof
  • Have your roof inspected regularly by a trained roofing professional who can watch for areas that need repair.
  • Keep the roof clear of debris, such as leaves and sticks. Keep your gutters clean.
  • Remove any dead trees on your property that could possibly fall on your roof.

What should I do after a storm?

  • First thing, look for damage once the storm has passed

Some storm or wind damage is able to be seen from the ground, or from windows overlooking parts of the roof. Do a visual roof inspection from a safe place to not any missing shingles, or impact damage from trees or branches. A lot of damage, however is not visible to the untrained eye. If you have any doubt whatsoever, you need to call a qualified roof inspection to come and perform a professional roof inspection. Some insurance policies have stipulations of dictate how long you can wait after the damage has occurred and still have the damage covered under your insurance policy.

  • Document details related to the damage with photographs

As a homeowner you should take pictures of damage you note, but your roofing inspector should also take photographs. In order to have your roofing insurance claim approved, you will have to provide proof of damage, including measurements, the events that caused the damage, and dates and times the damage occurred.

  • Find out what your policy covers

Once the damage has been verified, contact your insurance company immediately. When you submit your roof insurance claim, an insurance adjuster will be sent to inspect the damaged areas and determine the cost that the insurance company will pay out to repair or replace your roof. This may cover roof repairs or a full roof replacement, dependent on the extent of damage and age of roof.

  • Choose a roofing contractor with insurance expertise

If your roof insurance claim is covered under your homeowner’s policy, and once it has been confirmed by the insurance agent/adjuster, they will provide the funds for the estimated repair costs. You can choose your own roofing contractor to complete the repairs or perform a roof replacement.

How can American Dream Home Improvement help with my insurance claim?

  • We will meet with your insurance company to assist with the claim process
  • We provide detailed written estimates for roof, siding, and gutter services that may be applicable for your situation
  • We suggest roofing materials to help prevent future storm damage
  • We complete all roof repair or roof replacement work
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