Insurance Claims and Storm Damage
Florida weather is known for its stormy weather that brings hail, the wind, and even hurricanes. All of these climate issues can cause significant damage to a home’s roof. Many homeowners are flustered after they notice any damage to their roof from these occurrences, and they immediately hire a Florida roofing contractor to do the work, paying full price. We all know roof repairs or replacement costs can quickly add up and turn into a financial burden, with homeowners dipping into their savings or financing long payment terms in order to get the work done. What many Florida residents don’t know, however, is that insurance companies can potentially cover roof repair or replacement if the damage is due to severe weather.
We care about our customers and want them to have the best possible outcomes with the roofing work they have done. This means we want our customers to come out of the experience not only with a great roof but financially intact as well. If your home has suffered damage that is clearly due to wind damage, hail damage, or from hurricanes, and could possibly be covered by your insurance carrier, it is in your best interest to get them involved. Almost all homeowners insurance policies have a deductible you will be required to meet before the claim is covered, but that is almost always less than the total cost of the repairs being done. Whether you are positive your home’s situation will be a valid insurance claim, or you have lots of questions, our experts can help walk you through the process of what to do next.
When you call us about weather related roof damage, we will come out personally to your home to take a look at it. After our inspection, we will discuss with you what we thing regarding what needs to be done to keep your roof in good shape and doing its job—protecting the rest of your home from damage. Once we go over those details with you, we will even personally help you contact your insurance company to get the claims process started. This can save you some stress of having to deal with their representatives by yourself. We make these calls with you and take that extra step to take the stress out of roof repair.
Common Insurance Claim Questions
While filing an insurance claim, the representative recording the claim will likely ask some or all of the following questions:
- On what date did the damage occur (date of loss)?
- Are you certain it is hail damage?
- How long have you known about the damage?
- When is the last time you’ve replaced your roof?
When damage like this occurs, it can sometimes be difficult for the homeowner to remember exactly when the damage occurred—after all, it’s not every day you are up on your roof examining it! Often times you will remember a storm that passed through. If you don’t remember, we can assist you in looking up when a recent strong storm occurred in your area, and when the damage likely happened.