Roof damage is an unfortunate fact of life, one which most people will have to deal with at one point or another. After a storm or other disaster that causes major damage to your roof, you probably feel like the sky is falling - literally! However, it doesn't have to feel that way if you take the right approach. The good news is that your homeowner's insurance policy will usually cover that damage if you file the claim properly. Read on to find out what you need to do to file a roof damage claim, the easy way!
Step 1: Locate Your Homeowner's Insurance Policy
At the time of your policy purchase, your insurance company should have provided you with a copy of your full policy. This policy is practically required reading for you right now, because it will precisely spell out how much compensation that you can expect to receive, and how to qualify for that compensation.
Step 2: Get Your Facts Straight
Before you can file your claim, it is vital that you have all the essential facts and figures right in front of you. Since you've already got the insurance policy handy, take note of the policy number. In addition to the policy number, you'll need to note of the exact date and time when the roof damage occurred. If the damage was due to hail, it can also be helpful to measure the diameter of the hail if at all possible. Another good piece of supporting evidence can be photographs. Don't put yourself at risk to obtain photos, but if it's possible to get them safely it will help convey the level of damage to the insurance company more clearly than simple words ever could.
Step 3: Complete The Paperwork
Once you have all the information from the first two steps, completing the paperwork will be fairly straightforward. Some insurance companies allow you to file claims online or over the phone today, which makes the process even easier. Even if you have to complete a damage claim the old-fashioned way, you'll only need to phone your agent to request a claim form by mail. Once the form is completed, you can generally fax or take it to your insurance agent in person to officially file the claim.
When disaster strikes, you need a property restoration company to properly assess the damage. At Broadco, our 24-hour operators are ready to take your call and dispatch a team of highly experienced restoration professionals to your property. Call us today at 877-450-6150!
