The Property Owner's Guide to Navigating a Roof Insurance Claim
Updated: Feb 14, 2022
No matter what area of Maryland you live in, you can't escape the seasonal rain and snowstorms. Whenever storms come to town, they can inflict severe damage to residential and commercial roofs.
If your roof's material has blown away or is missing several shingles, you have a valid claim to get your roof replaced.
Our roofing company in MD does more than performing the manual labor of restoring your building's covering. We are also well-educated on the insurance process.
If it's your first time needing this kind of work, the insurance process may confuse or intimidate you. Even if it's not your first rodeo, you may be unsure of where to start.
Our Maryland roofing contractors strive to make the insurance process as seamless as possible. Read on to learn about the five steps of navigating a roof insurance claim.
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1) Assess Your Roof
As soon as you notice your roof has sustained damage, you should file a claim. The sooner you do so, the more likely you will be to get full insurance coverage. If you wait one, two, or five years, you risk having to pay the full cost out of pocket.
Replacement costs will vary depending on the size and material of your roof and the damage sustained. According to HomeAdvisor, replacements can cost anywhere between $4,000 and $16,000 or even more.
2) Find a Licensed & Insured Roofing Contractor
You need to find a reputable Maryland roofing company to perform your replacement.
As a property owner, you will want to ask yourself two questions regarding the contractor you hire:
Have they done insurance claim work in the past? Ask them to provide examples and references.
Can the contractor commit to replacing your building's covering at the cost of your deductive? If you get a “yes,” ask for this in writing.
Be wary of contractors who promise to lower or pay back your deductible. If you agree to this, even unknowingly, you could incur criminal charges.
3) File a Claim with Your Insurance Company
Get in touch with your insurance company and open up a claim.
Request for an adjuster to come out to your property and provide you with an estimate for repairs.
4) Receive the Adjuster's Estimate
In most cases, the adjuster's estimate will be much lower than the actual cost of damages.
This stage is where a competent Maryland roofing contractor can benefit you. Your contractor will negotiate with the adjuster on your behalf to secure the best price possible.
Ideally, the contractor should be able to secure a price that is only the cost of your deductible. You should not have to pay any more money out of pocket.
5) Sign the Final Contract
Once your contractor finalizes a deal with your insurance provider, you're in the home stretch. You will sit down with your contractor to clarify the final scope of the work.
Once you are both satisfied, you and your contractor will sign an agreement. At this point, work will begin on your roof.
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If you need help navigating an insurance claim on your roof, be sure to call our Maryland roofing company today!