Hail Damaged Roof in Cedar Hill
You may find that you have a hail damaged roof in Cedar Hills and that discovering the damage which is serious can be an extremely stressful period for most homeowners. The process of lodging and following up on the insurance claim may require a lot of follow-up with the likes of insurance adjusters, roofing contractors and in some instances even your mortgage company. Here are some easy steps for you to follow so that you can handle the insurance claim process from start to finish.
As soon as the storm has passed, you should look for damage as soon as possible. If you think that the damage to your roof, calling a reputable licensed roofing contractor to carry out an inspection of your roof. You should remember that even if the roof looks intact from the outside, there could be significant damage inside which can only be picked up by a trained roofing specialist. Some insurance policies stipulate how long you can wait up after the damage to your roof has occurred and still retain coverage under your insurance policy. It is wisest that if there is a severe storm, your roof should be inspected as soon as it is safe to do so.
Take as many photographs as you can and document the details relating to the damage. An experienced roofing contractor will know where to look for damage and know how to do a thorough job in documenting the damage and how extensive it has been. They will often take pictures of the damaged areas and submit to you a written report on what needs to be repaired and the estimated cost of the repair. In some cases, there may be roof damage which is not major enough to justify an insurance claim and, in that case, your preferred roofing contractor will work with you to plan exactly how your roof should be repaired. In other cases, you will have to get your homeowners insurance company working with you and provide them with whatever information they need including proof of damage, measurements, the events causing the damage and the dates and times of the damage.
Contact your insurance company and get the details of what is covered in your policy. If you feel that there is extensive roof damage, this contact should be established as soon as possible because the claim may be refused if you wait for too
long. You should also check the current status of your insurance policy to review what the statute of limitations is for not reporting damage promptly and what types of damage to your roof are covered and not covered. Some homeowners policies have additional guidance providing detail about the amount of damage covered by the insurance. For example, if the roof is more than 10 years old, the insurance company may only cover a portion of the replacement cost based on the depreciated value of the roof. Any details which are not clear may be obtained from the insurance provider. After you have submitted your roof insurance claim, an insurance adjuster will inspect the damaged areas and determine the cost is the insurance company will pay for repairs or replacement.
As soon as the storm has passed, you should look for damage as soon as possible. If you think that the damage to your roof, calling a reputable licensed roofing contractor to carry out an inspection of your roof. You should remember that even if the roof looks intact from the outside, there could be significant damage inside which can only be picked up by a trained roofing specialist. Some insurance policies stipulate how long you can wait up after the damage to your roof has occurred and still retain coverage under your insurance policy. It is wisest that if there is a severe storm, your roof should be inspected as soon as it is safe to do so.
Take as many photographs as you can and document the details relating to the damage. An experienced roofing contractor will know where to look for damage and know how to do a thorough job in documenting the damage and how extensive it has been. They will often take pictures of the damaged areas and submit to you a written report on what needs to be repaired and the estimated cost of the repair. In some cases, there may be roof damage which is not major enough to justify an insurance claim and, in that case, your preferred roofing contractor will work with you to plan exactly how your roof should be repaired. In other cases, you will have to get your homeowners insurance company working with you and provide them with whatever information they need including proof of damage, measurements, the events causing the damage and the dates and times of the damage.
Contact your insurance company and get the details of what is covered in your policy. If you feel that there is extensive roof damage, this contact should be established as soon as possible because the claim may be refused if you wait for too
long. You should also check the current status of your insurance policy to review what the statute of limitations is for not reporting damage promptly and what types of damage to your roof are covered and not covered. Some homeowners policies have additional guidance providing detail about the amount of damage covered by the insurance. For example, if the roof is more than 10 years old, the insurance company may only cover a portion of the replacement cost based on the depreciated value of the roof. Any details which are not clear may be obtained from the insurance provider. After you have submitted your roof insurance claim, an insurance adjuster will inspect the damaged areas and determine the cost is the insurance company will pay for repairs or replacement.