When a storm comes through St. Louis we know it can be very dangerous. Usually, we get inside our homes and take cover. Unfortunately, our homes tale the damage. When you notice damage to your roof it can quite a headache. Going through the insurance process is tricky. Donovan Roofing wants to make this easy for you. Use this guide to help you through the claim process.
Is Storm Damage Covered by Insurance?
After the storm, it is time to look for damage. If you do notice damage, call Donovan Roofing Immediately. Sometimes our roof can trick us Even though it might look fine on the surface. There could be damage under the shingles or slate. At this point, a trained professional would have to check out your damage. Pull out or contact your policy provider. Sometimes they have time frames of when you need to contact them. So you will want to have your roof inspected as soon as possible.
Take Pictures of Your Roof
When you have one of our professionals out, they will know where the damage is. They will take a look over your entire roof. They are going to take pictures and document everything. When you call Donovan out, we are going to take pictures and give you a written explanation of what needs to be fixed and give you an itemized list in detail. Sometimes you might have damage that isn’t big enough to submit a claim.
When you get your insurance involved. They are going to ask for proof of damage before you file your insurance claim. They will want measurements, what caused the damage, and the time and date of damage as well. You will want to take a lot of great pictures and document everything. You will want to make sure your insurance company has everything. The more proof and data you have will keep them from trying to deny you. We have seen this happen many times here in St. Louis.
We talked to Benny Mazzier at Marketing Solutions STL. He used some of his marketing data and found that most homeowners do not document enough of the damage to their roof. This is leading to more claims being denied
Find out What your Insurance Policy Covers
After the storm has passed you are going to want to contact insurance as soon as possible. It is good practice to keep your insurance policy at home so you can look over it. This will allow you to immediately check how fast you need to contact them. When reading through your policy you will want to check out the guidelines that show the amount of damage they will cover.
Does Homeowners Insurance Cover Roof Damage From Storms?
In some cases, if your roof is ten years or older, your insurance company could only cover a portion of the cost. This is usually based on the depreciated value of your roof. The easiest way to find out how much they are going to cover will be to contact them. After you submit your claim, an adjuster will be sent to inspect the damaged areas and they will help submit how much the insurance will pay to either replace or repair your roof.
Roofing Contractor With Storm Damage Experience.
Donovan Roofing has been serving the St. Louis area for over 15 Years. When you find out your insurance is going to cover the damage of your roof. When selecting a reputable contractor. Ask around for references. Shopping around for cover is a great idea. This will allow you to have the upper hand in selecting your roofing contractor. This will also help you know if a chuck in the truck is ripping you off. A lot of the times a roofing contractor will not be able to assist in handling your insurance claim. Only use a licensed and insured contractor.
Contingency Contracts Are A Pain
Unfortunately, companies sometimes are not truthful. We have seen many contractors that trick you into signing them up for the job. They might hide it under an inspection report. When you start having companies out make sure you are not signing anything. They can give you an estimate without you signing paperwork.
Look out for pushy salesmen. One of the worst things someone can do is push you to sign a contract during this time of stress. If a contractor is pressuring you to sign up, you need to walk away. We recommend you go to the Better Business Bureau. Make sure they have an A+ rating. This will prove they are able to do good work.
Call Donovan Roofing For Your Roofing Needs.
Having your roof inspected, covered and fixed can be a terribly long process. When you partner with Donovan Roofing, we will bring you 100% quality satisfaction. We will work for you and make sure you get the most out of your insurance company. With our staff on the job, we will make sure you are covered and are not hurt by them. Donovan Roofing is here to help you.