How To File A Roof Insurance Claim

Gale-force winds and hurricanes can do a lot of damage to even the sturdiest roofs. As a tropical storm rolls in, it can peel shingles off your roof or rip at the flashing. Debris caught in the wind can also do a lot of damage: branches, falling palm trees, and debris can punch through your roof or scrape it up badly enough to cause some serious leaks. Even without a storm, wear and tear can eventually lead to the need for repair or outright replacement.

At A&E Brothers Roofing, we’ve been providing Florida property owners with expert roofing services for years, and our team has over 50 years of collective experience. Turn to our team for prompt, reliable repairs or a new roof. Before the project gets underway, we’re also here to help you navigate the insurance claim process. Read through this brief guide to get started with insurance claims for roof damage.

4 Starting Steps to Filing

Maximize your savings on a new roof or roof repair job following a storm or covered incident by quickly making insurance claims for roof damage. Follow these four steps to get the process started:

1. Assess your roof damage.

After every storm, assess your roof to look for missing shingles, breakage, or loose parts. You can also go into your attic to look for damp spots or sunlight that indicate new gaps. The faster you assess your roof, the sooner you can discover a problem. Not only can this mean faster repairs, but it also minimizes the risk of damage from pests or the elements.

2. Find out what your insurance covers.

Before filing a roofing damage insurance claim, refamiliarize yourself with your insurance policy.

  • What is the deductible per claim? If the roof repair is likely to cost less than that amount, you may want to skip filing a claim. If you have a low deductible, then your insurance company should cover the majority of the costs.
  • Was the roof damaged by an insurable event? Florida home and property insurance policies differ based on the company you use and the exact terms of your policy. See what your policy says about different types of roof damage.
  • Is there a deadline? While it’s always best to act fast, speed is essential under some policies that set stringent timelines for reporting damage.

3. Document your roof damage.

Once you’ve uncovered the damage and know the details of your policy, be sure to document what happened. Take pictures of the damaged area (both from the outside and from the attic, as necessary). Also, take note of the date of the storm and any other details relevant to the incident. Detailed documentation ensures you get the maximum possible benefit from your insurance without long delays or investigations.

4. Get in touch with your insurer.

The next step is to contact your insurer. Reach out to your agent or file a claim online. Also, start researching roofing companies in Miami-Dade County. Collecting free estimates can help you anticipate the roof repair or replacement costs and ensure the numbers between your insurance provider and roofer match up. The right roofing company can help ensure all of the damage is noted and addressed.

Choose A&E Brothers Roofing for Your South Florida Home or Business

Filing insurance claims for roof damage can be a tricky process, especially if a storm severely damaged your property. At A&E Brothers Roofing, we help simplify the roof repair process by providing fast appointments, a free quote, and transparent pricing. Contact us online today or call (305) 317-4832 to take the next step.

Image Source: Michael O’Keene / Shutterstock

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