Replacement of the Roof: Roofing Steps To Sell Fast

Accidents happen, and they do occur to our roofs. Many homeowners are finding themselves shelling out of pocket for roofing replacement when they could indeed have it covered by their roofing insurance. Knowing how to get your insurance company to pay for it, as opposed to your wallet, can save you thousands in case your roof gets damaged due to storms, falling trees, and other sudden disasters.

But nonetheless, getting homeowners insurance to pay for a roof replacement isn’t always quite that easy. Most insurance carriers have certain steps to follow in filing a roofing insurance claim. These can be somewhat overwhelming, especially for someone who is unfamiliar with their policy or how the insurance system works. Fortunately, this guide will simplify it for you and give you an edge on your possibilities of taking your roofing replacement under the wing of your insurance company.

1. Check Your Insurance Policy to See if Roofing Is Covered

The first thing you should do in filing any roofing insurance claim is to go over your policy. While some have full coverage for roof repairs or replacement, others may give only partial cover. If unsure of your insurance cover, call your insurance agent and ask for a copy of your policy. Policies that do have roof replacement coverage allow the payment for repairs or even full roofing replacement, depending on the extent of damage.

This may only cover a percentage of the total repair cost. If your policy covers roof replacement, then in most cases, it will replace your roof if the damages are extensive enough to make a repair not plausible. Make sure you understand your specific coverage before proceeding .

2. Document the Damage

Once sure that your policy covers roofing replacement, it is time to document the damage. Take as many photos as possible of the damages both outside and internal, which result from water leaks. If there is a ladder available, use it to take close-up shots of the damaged sites. Drones are also very helpful in taking clear overhead images.

If you’re not comfortable taking detailed photos, you can also hire a local roofing contractor for the same. They will not only help you document your damage but also give you estimates for both repairs and roof replacement.

Make sure you note the date and time of damage, along with the cause. If due to a storm, then collect some evidence like newspapers or weather warnings that can help in substantiating your roofing insurance claim. If a tree fell and caused part of your roof to get damaged, include photos showing how the tree fell on your roof.

3. Professional Roof Inspection

Most insurance carriers are going to want an inspection report from a licensed roofing contractor before they approve a claim for roof replacement. In this way, the contractor gives an official assessment of damage and gives an estimate for the costs of repair or replacement. Without this inspection, many roofing insurance claims get denied.

While it may sound like an added expense, hiring a professional roof inspection could save you money because it can help get your roof replacement covered under insurance.

4. Locate a Quality Local Roofing Contractor

Probably the most important part of any roof replacement is finding a reliable local contractor to provide estimates. Insurance companies often require estimates using different types of materials, so be sure that the roofing company you choose provides a detailed breakdown for your roof replacement.

Opt for a firm that offers quality and at reasonable prices. Should your contractor overcharge or do a shoddy job, the insurance company may reject your claim. A few insurance companies maintain lists of preferred roofing contractors with whom they’ve had positive experiences. So you can also call your insurance agent to refer a few.

5. Shun the Roofing Scammers

Unfortunately, roofing scams will occur very often, especially after highly devastating storms. Scammers might actually show up as legitimate contractors; they promise quick repairs at affordable prices. However, upon collection, they disappear without execution of the work.

Don’t get scammed; take the time to thoroughly vet any contractor that you hire for your roofing replacement. Request references, check online reviews, and verify credentials. A good contractor should be able to prove licensure and past satisfied customers.

6. Keep in Contact with Your Insurance Agent

Your insurance agent should guide you through the process of a roofing insurance claim. As you gather your photos, estimates, and other documentation, make sure to forward everything on to your agent in a prompt manner. Your agent will let you know what further steps or forms will be required to finalize your claim.

Once your claim has been approved, your agent will be able to help coordinate with the roofer to replace your roof and release the insurance payment. This is all about communication-stay close to your agent and everything will go just fine.

Roofs endure unexpected mishaps like storms or fallen trees, often leaving homeowners with hefty repair bills. However, unlocking the secrets of getting homeowners insurance to fund a new roof can be a game-changer, saving you a bundle in the long run.

Navigating insurance for a full roof replacement is quite a tall order. Insurers won’t simply cut a check because your roof is ageing or leaking. But fear not, we’re here to guide you through the maze.

Whether a tree smashed onto your house, fierce winds tore off shingles or a storm wreaked havoc, knowing how to file an insurance claim for roof repairs is crucial. Convincing your insurer to cover the costs shouldn’t feel like scaling Mount Everest—especially when the damage is beyond your control. You can sway your insurer to cover your roof replacement costs by understanding what your insurance covers, what doesn’t, and how to ask for it.

What Is a Roof Damage Insurance Claim?

When disasters hit your property covered by your insurance, for example,  your car getting into an accident, your house getting damaged by fire or water, or your roof getting wrecked by a storm, you can fill out a special form called a claim and ask your insurance company for help. Subsequently, an insurance company decides if they’ll give you money to help fix the problem or not. If they say yes, they’ll either pay you directly or pay the person or company you owe money to.

Typically, there are 2 main types of coverage for roofs: replacement and repair. If we talk about replacement, it means that insurance will cover the cost of making your roof new again. But repair coverage means that your roof will be investigated for how old it is and how severe the damage is. In this scenario, you will be paid only a part of the replacement cost, approximately 15%. 

Filling an insurance claim is essentially asking to be paid back for a loss. But bear in mind, the more claims one makes, the more likely insurance rates will go up. In some situations, filling too many claims might even lead to your insurer dropping your coverage. So, constantly, filing claims is not the smartest strategy for getting your roof replacement covered. 

So, what you need to know to get insurance to pay for your roof replacement

Now that you understand the need for roof replacement, you can contact your insurance company to see if your roof qualifies for coverage. But hold on for a second, there are a few crucial things to grasp about the process. Here are 5 key points to keep in mind when it comes to getting insurance for roof replacement. 

1. Getting insurance for your roof replacement can be time-consuming and challenging

Often, homeowners mistakenly believe that once they file a claim, they will have their roof swiftly replaced. However, it’s not an easy step to take. The reality is, that the process of getting insurance to replace your storm-damaged roof can be lengthy.  Here are a few steps leading up to an insurance-funded roof replacement.

1. Reach out to your insurance company
2. You will receive an adjuster to inspect your roof
3. A claim will be written up if the adjuster approves it
4. You’ll need to find a reliable roof contractor
5. The contractor will look through the claim and may suggest making some adjustments
6. The next step is to submit the claim to the insurance company for approval
7. Having received approval, you will get insurance to pay for roof replacement.

2. Watch out for storm chasers in your location

After a big storm, it’s almost a given that you’ll see folks knocking on doors. While there’s nothing inherently wrong with this, it’s crucial to be cautious of storm chasers. These are typically out-of-state companies that swoop in right after a storm, offering roofing services at prices that undercut local businesses. They’re quick to collect your money and then dash off to the next storm-affected area, often neglecting local building codes and proper installation standards.

3. No paperwork is to be signed until you have an insurance claim approval

Some companies try to pressure homeowners into signing agreements before they’ve even had a chance to examine the damage. Yes, not all companies come clean if we talk about their reputation. They can try to tie you into a deal that hands over rights to your roof before you’ve even got the green light on your insurance claim. This way, you will commit your roof to them without confirming if they are trustworthy. So you should not sign any paperwork before your insurance claim gets the nod. We understand that you may be worried about storm damage, do not make haste by signing any docs.

4. Insurance adjuster is the only person to green-light your roof damage claim

A roofing contractor can document the damage and vouch for you, but ultimately, the adjuster makes the final decision on your claim, regardless of how certain the contractor is about the damage.

5. Further measures to take as regards roof insurance claim

Once you’ve filed your roof replacement claim and your chosen roofing company has provided evidence to support it, the ball is in your insurance company’s court to decide. In most cases, they will let you know whether your claim has been approved or denied after 15 days of reviewing it. If you face a denial, remember, that you have the option to appeal. The specifics of how appeals work can vary between insurers, so it’s best to get advice directly from your insurance agent on how to proceed.

Should your claim get the green light, you’re set to coordinate with your contractors to kick off the roof replacement. After your new roof is in place, it’s wise to have it inspected on a regular schedule. It is important to conduct regular inspections and maintenance on your roof to keep it in top shape, but it is also helpful to simplify the process of filing claims in the future. Having detailed records and photos of your roof’s condition over time can be a boon when you need to prove its state in any subsequent insurance claims.

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Struggling with roof damage? Don’t let the stress of getting busy with roof replacement procedures, or tiresome repairs bring you down. We understand that dealing with roof damage can be a daunting task. Whether it’s from a storm, debris, or just wear and tear, fixing it isn’t easy. That’s where we come in.

Why dive into the hassle of repair or replacement when you have a simpler option? We specialize in connecting buyers with homeowners whose houses were storm-damaged or subject to other disasters. Selling means skipping the complex repair process, saving time, and avoiding stress.

Remember, while the idea of repairing or replacing your roof might seem like the right move, it’s often a challenging and lengthy battle. But you don’t have to fight it alone—or at all. Choose the quicker, hassle-free option with 99Offers. Sell your home as-is and move forward with ease.

and don’t forget to know the steps to do if you aren’t going to make a permit to make this change 

If you’re considering repairs, think again. Let us give you a fresh start. Contact us today, and let’s turn your damaged roof from a problem into an opportunity. Why wait? Your hassle-free solution is just a click away.

Conclusion: Save Money on Roof Replacement with Roofing Insurance

If you adhere to these steps, your chances of having your roof replacement fully covered by your insurance company increase dramatically. Knowing your policy, documenting the damage, having a professional inspection of the roof, and finding quality contractors will be key components in the successful roofing insurance claim.

At Gouge Quality Roofing, we not only specialize in roof replacement but also work with insurance for you. From the very first inspection to meeting with the insurance adjuster, our staff will make sure that your roofing replacement is as smooth and hassle-free as possible. To learn more about how we can help you with your insurance claim related to your roofing, please give us a call today.

Frequently Asked Questions

Does homeowners insurance cover shingles blown off?
The answer to that question is yes, usually; homeowners’ insurance covers shingles blown off by storms or natural disasters. If the damage is because of poor maintenance or normal wear and tear, then the roofing insurance may not cover it.

What do insurance adjusters look for during a roof inspection?
The adjusters will verify if the roof is damaged because of storms, falling objects, or water intrusion. They also verify if the age, material, and condition of the current roof are within the code provided by the local building code and the industrial standard.

Should I Call My Insurance Company If My Roof Leaks?
Of course, you should call your insurance company as soon as possible if your roof is leaking. If leaks are caused by storms, hail, or wind, then it’s also likely that your roofing insurance coverage could cover it. Your agent will be able to help guide you in the process.