Roofing Blaine MN

A Guide to Roofing Insurance Claims

So, a severe storm just blew through your neighborhood, and your roof is wrecked. Not only is your roof torn apart and looking quite unsightly, but now you and your family are being exposed to the outside elements, such as wind, snow, UV rays, and more. And to make matters worse? You still have to work through the entire insurance claims process while you get your roof replaced. Luckily for you, Exteriors Plus is here to help! This week’s blog post provides a guide for understanding roofing services and how they relate to the insurance claims.

Exteriors Plus is your go-to for a roofing contractor in the Twin Cities and the surrounding areas. We have more than 20 years of experience in the roofing industry, which means we know roofing like the back of our hand. We’ve not only developed innovative roofing solutions, but also reliable and efficient processes for handling roofing claims. Read this week’s Exteriors Plus blog post to learn more about the roofing insurance claims process and reach out to us for roofing services in the Twin Cities today!

Why is Roofing Insurance Claims Assistance Important?

When it comes to dealing with roofing insurance claims, things can be a bit complicated. If you don’t thoroughly understand the process, or if you complete your claim incorrectly, you may not get the compensation to which you’re entitled.

The tricky thing about insurance claims is that each insurance policy, along with each roofing disaster, is unique. That means that just because your neighbor got compensated for their new roof due to storm damage, doesn’t mean you will.

However, with the right documentation and assistance from the pros at Exteriors Plus, you can rest assured that we’ll do everything we can to get you the money that you deserve.

The Insurance Claims Process

So, now that you know why claims assistance is important, you’re probably wondering what the claims process even looks like. Our team at Exteriors Plus is here to help break it down for you.

Contact your Roofing Contractor

Before the insurance claims process can begin, you should contact your roofing contractor. Be sure that this contractor is reliable, licensed and insured, and has experience dealing with roofing claims assistance.

After a big storm hits, you may be tempted to call our roofing contractors at Exteriors Plus to schedule emergency repairs. While there’s no doubt that getting your roof fixed as soon as possible is important, there are a few things we need to do first to ensure your insurance claims process runs smoothly, and the first is an inspection.

During this inspection, we will carefully examine your roof and begin taking photographs of any damage so we have a record of what your roof looked like after the storm or incident that occurred. Be sure that your roofing contractor is willing to get up on your roof so they can accurately assess the damage.

Contact your Insurance Agent

After your roofing contractor has provided you with the necessary documentation of an inspection, you can begin contacting your insurance agent. During this time, your insurance company will assign you to a claim representative.

Then, a public adjuster will be sent to your home to inspect and record details of the damage, much like your roofing contractor did prior.

After the public adjuster has finished assessing the damage done to your roof, you will be given an insurance estimate that depends on the type of policy that you have, as well as the extent of the damage.

It is important to note that communication between your insurance adjuster and your roofing contractor is critical during this period of time. You want to ensure that both parties are on the same page as to what items will be covered by the claim.

Review Estimate

After your public adjuster has given you an estimate, it’s time to sit down with your roofing contractor to understand the scope of work that will be provided by your insurance carrier.

Sign a Contract

After you’ve finished reviewing the details of the insurance claim and the roofing contractor agreement, you will be asked to sign a contract with them which will summarize the scope of their work and create a binding agreement between you and your contractor.

Get your Roof Replaced and Settle Payment

After you have a brand new roof on your home, you’ll need to contact your insurance agent once again so they can give you the remaining funds that you need to cover the cost of your new roof. The total reimbursement is paid in stages, which is important to keep in mind when you settle payment with your contractor.

Trust Exterior Plus

At Exteriors Plus, we know that understanding the insurance claims process for your roof can be challenging and overwhelming. Luckily, we have the knowledge and experience to help you get the compensation you deserve, along with a high-quality, durable new roof.

If you’re in the midst of an insurance claims process, reach out to our team in the Twin Cities for assistance today! Our roofing contractors are more than happy to assist you.