In some areas, the weather is rather unpredictable and even destructive at times. Hailstorms and strong winds can easily damage any roof that gets in their way.
Once disaster strikes, most people tend to call their insurance company right away, hoping that they’ll get full coverage for the roof damage. However, this may not be the best idea.
Instead, we suggest that you contact your local roofers first, as they can make the whole process not only much easier but also less stressful. Here are some of the benefits of calling a roofing company before filing an insurance claim.
Why You Should Get a Roof Inspection First
Expert Opinion
Sometimes, the problem is not that easy to identify. For instance, the roof damage may not be noticeable at first glance. What’s more, once you inspect the roof thoroughly, you might discover plenty of other, less evident problems. If the damage doesn’t appear too bad, the insurance company may try to downplay it and offer you less money.
In contrast, when you get a roofing expert to assess the damage, they will give you an accurate estimate and make sure that you get what you deserve. It’s always better to get an expert’s opinion before making any sudden decisions.
Saves You Time and Effort
Anyone who has ever had to deal with insurance claims knows what a hassle they can be. For instance, there’s a bunch of paperwork that you need to fill out. Also, you always have to “haggle” with the insurance agent to get what essentially belongs to you.
If you call a roofing contractor first, however, you may be able to avoid all of that confusion.
Fortunately, many roofers have already teamed up with insurance companies. So, when you hire a roofing contractor, they might be able to help you file an insurance claim and negotiate too, saving you plenty of time and effort along the way.
Helps You Avoid Traps
In addition to always trying to lower your payout, insurance companies will also investigate every possible cause for the reported damage. For example, in case of a disastrous storm, they’ll need to make sure that the storm was the actual cause of the damage and not some other underlying issue.
On top of that, they’ll try to find any reason to invalidate your claim. If they find traces of damage that wasn’t directly caused by the storm, they might decide that improper maintenance was the main problem.
However, if you call an independent roofing contractor before the insurance company, you can get a firsthand damage assessment. That way, you’ll know if calling the insurance agent is a good idea or not. In addition, you’ll get an accurate repair estimate, which should help you when negotiating a payout with the insurance company.
Call M&M Home Remodeling Services
If your roof was damaged recently, feel free to contact M&M Home Remodeling Services for an independent assessment. Our experts will perform a detailed inspection of the roof, including the flashing and gutters, and provide you with an estimate. In addition, we’ll go over your insurance plan and advise you on what to do next.
Want to get an idea of what a roof replacement will cost? Check out our most recent article: How Much does Roof Replacement Cost?
