by CLC Roofing Inc. | Jan 19, 2020 | Insurance
Roof damage is a devastating experience that leaves roof owners in a state of shock. However, quick and adequate reaction is key to mitigating the damage as well as to obtaining the right amount of compensation.
Here is what to do:
- Ensure the safety of the site – in most cases, extensive roof damage is associated with water damage in the attic or even in the rooms, so evacuating everyone from the building to safety and disconnecting the utilities, especially the electricity, the gas and the water, is essential;
- Document the damage – this phase is best handled by experienced storm damage Fort Worth roofing companies who know how to move safely on a damaged roof and how to identify even the smallest sign of damage. Make sure that every damaged roofing component is photographed and video footage of the damage will also be useful;
- Mitigate the damage – the next essential step is to prevent further damage with an adequate method, such as covering the roof in foil;
- Put together and file the claim – home insurers require policy holders to follow specific steps for filing insurance claims. Find out the steps from the insurer’s website or through its helpline, then fill in the document, attach the required evidence of the damage and submit the claim personally or online. Your insurer will probably send its own expert to check the damaged roof, after which they will propose a compensation amount. If you have specified a higher amount on your claim, one or several negotiation sessions will follow, at the end of which you and your insurer will hopefully reach a settlement.
by CLC Roofing Inc. | Feb 28, 2018 | Insurance
When you sign an insurance policy, you expect to receive adequate compensation whenever damage is inflicted, and receive it as soon as possible. That`s normal, considering that when disaster strikes, you surely want to go through the claiming process as fast as possible, avoid prolonged battles and get back to normal quickly.
However, the process is neither simple nor easy and you must be prepared even before filling a claim.
The most important thing is to know your existing policy, in order to understand what exactly can be covered. Keep in mind that when you sign a policy, you must review it periodically and determine whether it still fits your needs, otherwise you may have unpleasant surprises.
The next step is to document the damage, by taking photos and videos. If we are talking about something that was predictable (like a storm, for example), you can take pictures of your property even before it occurs, as they may turn to be useful to make a before and after comparison, emphasizing the damage. If it is a roofing claim, well experienced Fort Worth roofers can give you a complimentary roof inspection and provide you with repair costs to share with your insurance claim adjuster. Many insurance companies work hand in hand with roofing and construction professionals to make sure claims cover the repair as needed and based on policy specifications.
It may take a little while until you get compensation from your insurance company, and in the meantime you can start doing at least some temporary repairs; some things must be fixes immediately, like a damaged roof or broken windows. These expenses will be reimburses, if you save all the receipts and inspection reports.
