Floridians are no strangers to hurricanes. Recently, Hurricane Irma passed through the Sunshine State causing great damage to hundreds of peoples’ roofs. Wind and rain from the storm can damage your roof, causing leaks that can ruin your home’s interior.
Damage to your roof can be both expensive and time consuming to fix. For those that have home insurance, the process of filing a claim is very tricky.
At Aastro Roofing, we can be your local roofer. Here are a few tips you should know about filing an insurance claim for your roof.
Be familiar with your insurance policy
Familiarizing yourself with your insurance policy is important. You should have a general idea of what your policy covers. Insurance coverages vary greatly depending on a number of factors including the age of your roof and the area that you live in.
The age of your roof is a big determinant of whether your insurance company will pay for your roof’s repair. For most insurance companies, if your roof is over 10 years old, you may only be reimbursed for the depreciated value of your roof.
However, if you have not been giving the proper maintenance to your roof with the help of a professional roofer, your insurance company may determine that the damage is from aging or poor condition and you may not be covered at all. If there is something you do not understand about your policy or if you have any questions regarding what your insurance can and cannot cover, contact your insurance agent.
Before a storm hits, it is important to take “before pictures” to minimize the risk of having your insurance question your claim. After the storm has passed, you should also take pictures to document the damage as proof of the destruction the storm has caused to your property.
Do not try to fix the damage yourself and avoid throwing out damaged items without talking to your insurance agent first and explaining your situation. You should also provide your insurance companies with any roof invoices, bills, or documents you may have so that it can speed up the process of your claim.
File a claim immediately
Call your insurance agent immediately after the storm has passed to file a claim. Many people will be in your same situation and the majority of insurance companies take cases on a first-come, first-serve basis, so waiting will delay your claim.
Make sure you explain in detail the extent of the damages caused to your property and ask any questions you may have. Take note of the subsequent steps you need to take to proceed with your claim.
Hire a professional roofer
Hiring a professional and experienced roofing company that you can trust is essential. The roofer will carefully inspect your damaged roof and identify the areas that need immediate repair. Your trusted roofer will also come up with an estimate of the damages caused to your roof so that you can provide this document to your insurance company.
At Aastro Roofing, we want to help those homeowners still affected by Hurricane Irma navigate through the process of filing their insurance claims. If your roof has been damaged as a result of a hurricane, contact us immediately.
Our friendly, and trained roofers are ready to inspect your roof and provide you with the best recommendations. Call us today at (561) 409-3280.