A major storm is a cause of concern for every homeowner, especially when the roof gets damaged by falling debris, hail or high winds. However, no matter how upset you may be, you should prepare as soon as possible to file a roof storm damage claim with your insurance company.
Since this can be a complex and time-consuming process, the tips below will help you handle the situation with confidence:
1. Assess and Document the Damage Immediately after the Storm
As soon as it is safe to get out of the house, get a camera (or your mobile phone if it has a photo camera) and look at the roof from all sides. Take as many photos as possible and remember to set the camera or phone to add the timestamp to the photos. This will be your best evidence in case the insurer is not forthcoming in accepting your claim.
2. Contact Your Insurance Company
As soon as the self assessment for damages is complete, contact the insurance firm from which you purchased your home insurance. The insurer will provide you with the steps for handling the claim case and, possibly, provide you with a list of approved Austin roofing professionals to help.
3. Select a Licensed Roofing Contractor
Even if the insurance company does not have a list of approved roofing companies, you should always hire a licensed contractor. Remember that you will be reimbursed by the insurance company for the expenses, so don’t choose the cheapest offer. If the roofer is not licensed, the insurance company will refuse to pay for the repairs.