When a storm hits, your first instinct might be to contact your insurance company. After all, that’s what they’re there for, right? But what if that’s not the best first step? Before you make that call, there’s something important you need to know: calling your roofer first could save you time, money, and a whole lot of stress.
Why You Should Contact a Roofer First
Understanding the Urgency of Roof Storm Damage
Roof storm damage is a serious issue that requires immediate attention. The longer you wait, the more likely your home is to suffer further damage. High winds, hail, and heavy rain can all wreak havoc on your roof, leading to leaks, structural damage, and even mold growth if not addressed promptly.
By contacting a professional roofer as soon as you suspect damage, you can get a quick assessment of the situation. Roofers have the expertise to identify issues that might not be visible to the untrained eye. They can provide a detailed report of the damage, which is crucial for your next steps—whether that’s filing an insurance claim or starting repairs immediately.
The Benefits of an Early Roofer Assessment
When you call your roofer before your insurance company, you’re taking control of the situation. Here’s why this approach works in your favor:
- Accurate damage assessment: A roofer will give you an honest and thorough assessment of the damage. This is crucial because insurance adjusters may not always catch every issue, leading to potential disputes or inadequate settlements.
- Detailed documentation: Roofers can provide detailed documentation of the damage, including photos and written reports. This documentation is invaluable when it comes time to file an insurance claim, as it provides clear evidence of the extent of the damage.
- Preventing further damage: By acting quickly, your roofer can perform temporary repairs or take measures to prevent further damage, such as covering exposed areas. This can save you from more extensive (and expensive) repairs down the line.
How Insurance Companies Handle Roof Storm Damage Claims
The Role of Insurance Adjusters
When you file an insurance claim, the company sends an adjuster to assess the damage. While adjusters are trained to evaluate roof storm damage, they may not always have the same level of expertise as a professional roofer. Additionally, insurance adjusters work for the insurance company, which means their primary goal is often to minimize the payout.
By having a roofer assess the damage first, you ensure that you have an accurate, unbiased assessment to compare against the insurance adjuster’s report. This can help you negotiate a fair settlement and avoid being shortchanged.
Potential Delays and Disputes
Another reason to contact your roofer first is to avoid potential delays in the claims process. If you rely solely on the insurance company’s assessment, you might experience delays while they process your claim, leaving your roof vulnerable to further damage. By the time you get approval for repairs, the damage could worsen, leading to a more costly and time-consuming repair process.
Having your roofer’s assessment in hand can expedite the claims process. With clear documentation and a professional opinion backing your claim, you’re in a better position to push for a timely resolution.
Steps to Take After Discovering Roof Storm Damage
Contact a Local, Trusted Roofer
As soon as you suspect your roof has been damaged by a storm, reach out to a reputable, local roofer. Look for a company with a strong track record and positive customer reviews. Local roofers are more likely to be familiar with the specific challenges posed by weather conditions in your area and can respond quickly to your needs.
Document the Damage
While waiting for your roofer to arrive, take your own photos of the damage if it’s safe to do so. Documenting the damage as soon as possible is crucial, as this can help support your insurance claim. Be sure to take pictures from multiple angles, focusing on areas where shingles are missing, damaged, or where leaks are evident.
Review the Roofer’s Assessment
Once your roofer has completed their assessment, review the report carefully. Make sure you understand the extent of the damage and the recommended repairs. This is also a good time to ask questions about any terms you might not understand, ensuring you have a clear picture of what’s needed to restore your roof.
File Your Insurance Claim
With the roofer’s assessment in hand, you’re now ready to contact your insurance company. Provide them with the documentation you’ve gathered and the roofer’s report. This will streamline the claims process and help ensure that you receive a fair settlement.
Conclusion
Dealing with roof storm damage can be overwhelming, but by taking the right steps, you can protect your home and your wallet. Remember, contacting your roofer before your insurance company is a smart move that can save you time, money, and a lot of hassle. With a professional roofer’s assessment in hand, you’ll be better equipped to handle your insurance claim and get your roof repaired quickly and efficiently. Contact DryTech Exteriors today to ensure your roof is in expert hands and to get the prompt, professional service you deserve.
