Making a claim on your home insurance is a nightmare every homeowner dreads. Unfortunately, there is no way to know when your roof will get damaged. Whatever the case, we have outlined steps you can follow to get financial assistance from your insurance company.
CHECK YOUR POLICY
Taking an insurance policy is a significant first step, but do you know exactly what yours covers? For instance, most companies will only cover accidental damage such as storm damage but not the damage they deem avoidable or due to poor maintenance. Take a few minutes to understand your homeowner’s insurance and what type of roof damage it covers. More specifically, you want to know which type of damage and roof is covered and the amount the insurance company will help you pay for repair or replacement.
Provide documentation
Documenting every aspect of your damage is essential so as to have proof when filing a claim. Take as many pictures and videos of the damage as possible and fill out a detailed report of everything that's damaged and everything that will likely need to be done to fix the roof. It is also vital to have before pictures of what your home looked like prior to the damage. You can also provide detailed records of regular maintenance you have done over the years to show you have been taking good care of your roof.
FIND A CONTRACTOR
The last step is to find a licensed and certified roofing contractor to get a professional opinion. Ensure you work with a reputable company as this eases the claim process. They will take plenty of photographs to "build a case" for proper repairs of your roof. Flat Roofs Virginia is the most reputable roofing company in Virginia, so feel free to book a free consultation to speak to one of our experts.
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