Replace Your Roof
Submitted by: Steven Bowles
Your insurance provider is supposed to pay for your roof when
it’s been damaged by a storm. However, they often fail to cover
damages that don’t fit their criteria. Damage can be defined
differently by an insurance company and an adjuster may not
approve the claim. So, in this article I explain the steps you
need to take to ensure that your insurance provider will replace
your roof.
Insurance companies don’t like to buy roofs.
Let’s get this fact straight. Your insurance company does not
want to replace your roof. That’s right, that monthly payment
you’ve been handing over for years doesn’t mean much to an
insurance provider. Why is this so? Well, because of their
bottom line. That’s right, money. Hey, it’s a business. When
they replace your roof they lose money. This may seem a bit
tough but I’ve been in the contracting business long enough to
know this. But, if you have storm damage and you follow this
guide I can assure you that you will have a great case for a new
roof.
Step 1. Contact a roofer
Let me say this, if you think you can get your roof bought by
your insurer than you should think again. Though it’s not
impossible, it’s unlikely. There are a host of credible roofers
out there that are trained at getting roofs replaced. Find a
few roofers in the phone book or online and then call them. Ask
them if they have experience with insurance claims and if they
are willing to meet with your insurance adjuster. Within a
couple of phone calls you will have a company that’s
knowledgeable and that’s willing to help.
Step 2. Inspection
Get your chosen roofer to inspect your roof for damage. He or
She should do this for free. He or She should know in a few
minutes whether or not you should file a claim. This initial
inspection will allow the roofer to locate the damage that he
will display during the adjuster meeting.
Step 3. Meet he adjuster
Once you have filed your claim an insurance representative
should call you within 72 hours to set an adjusters appointment.
Let the contractor that is going to replace your roof know about
the date and time of the inspection. The contractor will be
acting as your representative and should be able to get your
claim approved.
Step 4. Replace your roof
If your claim is approved your insurance provider should be
sending you an estimate and a check for the present value of
your roofing system. Upon the installation competition your
insurance company will send the depreciation check through the
mail. Before you pay a contractor you should get an estimate
from him or her. Often times this estimate will be written by
your contractor which will mirror your insurance provider’s
estimate. This is standard. You must have this for protection
against unforeseen costs.
By following this basic guideline I can assure you that you will
get your roof replaced if you have storm damage. Insurance
corporations are not easy to keep accountable when you are the
one meeting your adjuster or trying to handle the claim
yourself. Remember to call an experienced contractor, preferably
an established contractor in your community that has been around
a while. Good luck.
About the Author: Steven owns and operates a roofing company and
he enjoys providing articles based on the roofing industry. You
can read a similar post about storm damage here:
http://ezinearticles.com/?3-Signs-That-Your-Roof-Has-Storm-Damage&id=7234784.
Here's the anatomy of a roof:
http://ezinearticles.com/?The-Roofing-Anatomy-Break-Down&id=7311449
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