Should You Call a Roofer or Insurance First When Dealing with Roof Damage?
Should You Call a Roofer or Insurance First When Dealing with Roof Damage?
Discovering roof damage can be stressful, and knowing the right steps to take afterward is crucial to ensuring your home is protected and your claim is processed smoothly. One of the most common questions homeowners face is whether to call a roofer or their insurance company first. The answer isn't always straightforward and can depend on several factors, including the type of damage and your specific insurance policy.
Initial Steps to Take When You Discover Roof Damage
When you first notice roof damage—whether from a storm, falling debris, or general wear and tear—taking the right initial steps can significantly impact your repair process and insurance claim:
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Inspect the Damage
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Document the Damage
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Contact Your Insurance Company
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Schedule an Appointment with an Insurance Adjuster
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Hire a Reputable Roofing Contractor
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Review the Settlement Offer
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Finalize the Claim
The Benefits of Contacting Your Insurance Company First
Some situations might warrant calling your insurance company first:
Complying with Policy Requirements
Some insurance policies require homeowners to contact the insurance company first before making any repairs or engaging contractors. Failing to do so could result in denial of coverage.
Insurance Adjuster’s Role
If your insurance company insists on sending their adjuster first, it’s crucial to comply. The adjuster’s evaluation will determine the extent of coverage and set the foundation for the claim.
Preventing Further Damage
Your insurance company might guide you on immediate steps to prevent further damage, such as temporary repairs that are covered under your policy. This can be critical in protecting your home from additional harm.
The Benefits of Calling a Roofer First
One strategy many homeowners consider is calling a roofer before contacting their insurance company. There are several reasons why this approach can be beneficial:
Accurate Assessment
A professional roofing contractor can provide an objective and thorough assessment of the damage. This assessment can be invaluable when it comes time for the insurance adjuster’s visit, ensuring no damage is overlooked.
Detailed Report
Your roofer can generate a comprehensive report detailing the damage and the necessary repairs. This report can serve as a strong piece of evidence when filing your insurance claim.
Leverage in the Claims Process
Having a roofer involved early can give you leverage during the insurance claim process. If the insurance adjuster has questions about the extent of the damage or the repairs needed, the roofer can address these concerns directly, potentially leading to a more favorable claim outcome.
Experience with Insurance Companies
Many roofing contractors have extensive experience working with insurance companies. They understand the claims process and can help ensure that all necessary repairs are covered.
Common Scenarios That Require Different Approaches
Not all roof damage scenarios are the same, and the approach you take can depend on the situation:
Minor Damage
If the damage appears minor and doesn’t require immediate attention, you might choose to contact your insurance company first to avoid any potential policy issues.
Severe Damage
In cases of severe damage where your home is at risk, contacting a roofer first may be the best course of action. The roofer can provide emergency services, such as covering holes to prevent further water damage, while you work on the insurance claim.
Unclear Coverage
If you’re unsure whether your policy covers the damage, contacting your insurance company first can clarify what steps to take next. They may also advise you on how to document the damage properly.
Navigating the Insurance Claim Process
Navigating the insurance claim process can be complex, but with the right approach, you can ensure a smoother experience:
Choose an Experienced Roofer
Ensure your roofing contractor has experience working with insurance claims. They can help you understand the process, negotiate with the adjuster, and avoid common pitfalls like inadvertently committing insurance fraud.
Hire Local
Work with a local, reputable roofing contractor to avoid scams by out-of-state companies and unlicensed contractors. Local contractors are familiar with regional codes and have a vested interest in maintaining their reputation within the community.
Understand SB38
Colorado’s SB38 law protects homeowners from roofing scams, particularly after severe weather events. Make sure your contractor complies with this law, which includes specific contract requirements and prohibits waiving insurance deductibles.
Whether you call a roofer or your insurance company first depends on your specific situation. By understanding the benefits and requirements of each approach, you can make an informed decision that protects your home and ensures a fair insurance claim settlement. And remember, when it’s time to choose a roofing contractor, always use the Colorado Roofing Association's member directory to find a trusted, licensed professional in your area.