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If You Are a Roofer With A Roofing Insurance Claim, We Have A Few Tips For You…

By July 24, 2022August 9th, 2022Enewsletter, Insurance
In this day and age you need insurance if you roof. Whether installing metal or shingle roofing you need protection. The reason you should purchase roofing insurance in the first place is to eliminate financial risks. A claim could put you out of business or seriously damage your personal finances without insurance coverage. The following tips will help your insurer pay quickly for any damages that your roofing company may have caused.  A roof insurance claim can be difficult if the claim is not done appropriately. These are general procedures for filing a claim but you do need to check with your company to see if their process is different. This is important because if you fail to follow the procedures the claim may be denied. Following are a few steps you should follow to file a claim with your insurance provider.
 

Previous To Filing A Claim

Before contacting your insurance adjuster and filing a claim, start your documentation.

  • Take pictures
  • Climb up on the roof and inspect it
  • Gather any supporting evidence that the roof damage was not caused by your company
Some of the damage could be pre-existing. Oftentimes, the homeowner or their insurance company will blame the damage on the roofer.  Many times the homeowner will not want to file a claim with their homeowner insurance so their rate does not increase or if they must pay the deductible for a new roof.   If the homeowner has a policy that will only pay a depreciated value of a damage from hail or wind the homeowner may want to claim your company made mistakes so your company will pay the additional amount for a new roof.  If possible, try to work things out.
 

File Your Claim

If you are not able to work things out with the homeowner’s insurance agent and the homeowner, it is time to file a claim.  This is the time you offer proof to the insurance company of the work you did.  Pay attention to inspecting the areas of the damaged roof in question. The tip we would give is that you have asked your agent before you purchased your insurance policy about what would be covered and completely educated yourself with your policy. Nothing is worse than a surprise that you will have to pay for the damages.

Meeting The Adjuster

Have your documented damage and inspection report on hand to ensure everything damaged is included. During the visit, the roof and related areas will be inspected to see if the insurance company will pay the claim.  Since you are the roofer and have done the repairs, you are the most knowledgeable about the roof claim.  You have the ability to point things out.  Now is the time to go over with the adjuster what the repairs between you and the homeowner were.  The adjuster will decide whether there is coverage.  If coverage is approved, the claim may be paid.  Sometimes the homeowner will not be satisfied with the amount offered.  It is now best to get multiple estimates to be submitted to the insurance company before a roofer can be hired to repair the roof or even a roof replacement.

After The Necessary Repair Is Done

As a roofer, you should take pride in having roof insurance coverage. After you do the repairs as a result of a claim, have a roofing inspector thoroughly inspect the roof and analyze the repair. He or she will also present the findings to the adjuster so that they know the scope of work that was required has been completed.  Showing you have insurance and you care about the work you do will go a long way in making you successful in the roofing business.

There are certain costs that roofers must take on to maintain a successful business. While materials costs and, perhaps, marketing costs are fairly common, there’s an additional cost that’s essential. If you are serious about being a successful roofing contractor, roofing insurance needs to be a part of your yearly costs.

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About Gartman Insurance

We are your trusted, family-owned independent insurance agency. Your family, your business, and your possessions are all important to you, but you may not know how to best protect them. We have the experience and local knowledge to navigate the unique risks you face, serving as your insurance advisor. Since 1999, Gartman Insurance Agency has proudly served our customers in Kentucky, Ohio, Indiana, Tennesee, and Alabama, helping them to find the right insurance coverage to fit their needs. Our customers are our priority, and we are always finding ways to better serve them, whether that’s helping them find a better policy or giving them the power of choice when it comes to their insurance coverage.
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