Paying A New Roof With A Homeowners Insurance

After years withstanding storms, winds, and hail, it is normal that your old roof needs a replacement. But, it is not a cheap and easy project. That’s why many homeowners look for alternative ways to cover these costs. One of these ways is getting insurance to pay for their new roof.

Dealing with insurance companies is not an easy task. However, if your home requires a new roof, having a conversation with an insurer may worth the pain.

Therefore, the Matlock Roofing team brings you some useful tips on how to get insurance to pay for a new roof.

Getting Homeowners Insurance to Pay for a New Roof

1. Understand Your Insurance Policy

Usually, insurance plans do not cover every type of roofing problem. So, the first thing you need is to know in deep the details of your insurance policy.

Have you taken the time to read and understand each of your policy’s terms and conditions? If don’t, maybe the need of a new roof will make you read this document. It is crucial that you investigate these conditions for you to achieve the insurance provider helping with your roof replacement.

If the policy clearly does not cover roofing issues, it makes no sense to go to the insurance company. Yet, if this document considers roofing repairs or replacements, or even if it is unclear, you should go forward to the following steps.

2. Document All Damages and File Your Claim

Can you take photos of your roof with timestamps to document damages? It is an excellent way to demonstrate the roofing damage. So, it is crucial submitting photos with timestamps from both scenarios, before and after the damage. This will lead you to achieve homeowners insurance paying for your new roof.

Do you have enough documented evidence of the damage? Then, you can file a claim with your insurer.

3. Have Professional Support

Besides providing the photos mentioned before, getting the opinion of a professional roofer is a valuable help. Recognized roofing companies build trust in insurance providers. So, a professional roofing evaluation will help you obtain approbation for your insurance claim. To do so, you can support your insurance claim with a documented evaluation form an expert roofer.

Sometimes, insurance companies recommend determined roofing companies to homeowners. Also, they can pay for the inspection hopping that they don’t have to pay for the new roof.

Still, the insurance provider isn’t against you in these cases. Remember that they need to carry out a lot of red tape themselves. That’s why a professional roofing judgment may help you go through this process faster.

4. Get a Price Estimate

A price estimate will be a fundamental requisite when it comes to get insurance to pay for a new roof. Both your insurance company and you will need to know what would be the cost of a replacement for your roof. Thus, you must solicit this estimate to your professional roofing company.

5. Avoid Scams

After big storms, it is not rare to see scammers visiting neighborhoods looking for residences with damaged roofs They use to offer a free roof in exchange for personal benefits or information. Hence, remind that these people may try to swindle you when insurance or large home upgrades are involved.

How to identify a legitimate company? You always can request to see their certificates to check their reputation. Also, asking for a copy of their liability insurance is a good idea.

Besides, a reliable company will show its venue address, a catalog of recent jobs, and even documented opinions of previous clients.

6. Fulfill Your Claim

Did you already go through the claim procedure? Does your insurance policy accept your claim? Then, congratulations! It would only rest meeting additional insurer’s requirements.

You can hire a roofing contractors Jackson MS for your new roof installation and the insurance provider will pay for it.

We recommend you stay patient but attentive to the process development and you’ll have a new roof soon. Even you can enjoy the ease and convenience of online payment options.

Work with Experts You Can Trust

We’ll gladly work with you and your insurance company to make the process of your roof replacement to flows easily. Call your preferred roofers so you can have peace of mind. Besides, you can to obtain an estimate with us, scheduling a free-in home consultation and get answers to your roofing questions. Contact Matlock Roofing at 601-299-4048 for any roofing needs in Purvis, Sumrall, Petal or Hattiesburg, MS.