How Do I File a Roofing Claim with My Insurance?

March 5, 2020 12:14 am Published by Leave your thoughts

Needing to repair or replace your roof can be a scary and difficult experience, especially if it’s the result of a storm or some other disaster. The good news is that you may not have to pay for it all out of pocket—as long as you have the right insurance! This post from your licensed and insured roofing contractor in New Bern, NC will teach you how to go about filing that claim:

  • Determine what’s covered: Your first step in the process is to call your insurance agent to see what kinds of roof work will be covered. For example, if your roof is on the older end of the spectrum, insurance might only pay for a total replacement instead of repairs. This all depends on your insurance agency and the type of policy you have.
  • Inspect the damage: A thorough inspection is required before any other work can be done in this process. Since you probably don’t know what to look for in terms of damage, we recommend hiring a contractor to inspect your roof for you. A reputable contractor can point out all of the damage and advise on the next steps.
  • Take photos: Ensure that you or the roofing contractor take plenty of pictures during the inspection. Your insurance agency will want plenty of proof of the damage if they’re going to pay to make the repairs.
  • Contact your insurance company: With photos and other evidence in hand, it’s time to give your insurance agent another call to file the claim. Your insurance agent will be able to walk you through the claim filing process. Keep in mind that this may take a while, depending on your agency.
  • Find the right roofing contractor: Don’t rush through the process of choosing a contractor to work on your roof! We recommend getting estimates from a few different companies to ensure you’re not getting overcharged.

Dangers of choosing an unlicensed contractor

Going along with our point above, hiring a less-than-reputable contractor can have disastrous outcomes. Here’s what can go wrong if you don’t choose a licensed and insured company like Dallas Cherry Roofing:

  • No insurance: You’re not the only one who needs insurance—your roofing contractor does, too. If a contractor isn’t covered, you could be responsible for any injuries or damage that occurs while the roofer is at work.
  • Shoddy work: Shady and unlicensed contractors often don’t perform the best roofing work, either. They may skip steps in the repair process that’ll just lead to headaches down the road. By hiring a licensed and insured roofing contractor in New Bern, NC, you can rest easy knowing that the job will be done right.
  • Limited legal actions: Your first thought may be to sue a contractor for not performing quality work. Unfortunately, if he’s unlicensed, you may be out of luck. A judge could deny any lawsuit since you’re the one who hired the contractor in the first place.

If you need roof repair or a new roof, be sure to hire Dallas Cherry Roofing. As a licensed and insured roofing contractor in New Bern, NC, we can help guide you through the insurance process if needed!

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