When it comes to insurance claims for your roof, there are many incorrect preconceived notions about how it all works. The first thing to remember is that calling your insurance company should only be done after your roof is checked out by a trusted company. Our inspections are free and doing this may save you a lot of money in the long run. Oftentimes people believe that they need a repair or replacement when in reality, they do not. If someone files a claim, regardless of whether or not there is damage, the insurance company will move forward with the process and some companies will even count this against you.
Next, after you have made sure that there is damage and that it can be fixed, it is time to get an estimate. Sometimes people believe they can give their insurance agency a quote and then find someone to do it for cheaper and pocket the money, but this is a form of insurance fraud. In order to get high-quality work, it is important that you seek out several options, find the best company for your needs, and get an estimate for the work to be done. This may not necessarily be the cheapest estimate you find, but as long as the quality is good, your insurance will still cover the expenses.
One of the biggest concerns that we hear when it comes to insurance is the fear of one’s rates being raised after filing a claim. Although rates may go up after a major storm hits, you are often better off filing a claim at the moment it happens rather than waiting for the rates to rise even higher. The protection of your home and family should be your first priority and, and as long as you are careful in your selection of a roofing company, your insurance company will be there to help.