How to Ensure My Roofing Claim Will Be Approved by Insurance

roof damage insurance claim

Many homeowners in The Woodlands worry about the feasibility of filing a roof damage claim after a storm. There are some aspects of the process homeowners can control and others they can’t – but with the assistance of a roofing professional and claims specialist on your side, you can bolster your chances of approval.

 

Before Perkins Preferred Roofing, our founder Matt Perkins used to be a claims adjuster. We have an in-depth understanding of what insurance companies look for when approving or disapproving claims, and we understand the roof inspection process better than most roofers. Our detail-oriented inspections and thorough approach to damage documentation may increase your roof damage claim’s chances of success.

 

Reasons Insurance Companies Deny Roof Claims in The Woodlands

 

  • Damage is old: Whether damaged roof repair or replacement will be covered largely depends on whether the damage can be attributed to a covered peril. If the roofing damage is deemed to be related to age or a lack of appropriate maintenance, your insurance provider may reject your claim on the basis that the damage is primarily attributable to wear and tear or that it was allowed to occur due to a homeowner’s failure to take preventative steps.


  • Damage isn’t widespread: Some homeowner policies specify that the damage must be severe enough that roof replacement is the only solution. If the damage is localized or only affects a small part of your roof without compromising the roof’s structural integrity, your insurance provider may argue it falls outside of your policy’s coverage.


  • Your roof wasn’t properly maintained: If the roofing materials were already degraded before the storm that ruined the roof, your insurance adjuster may come to the conclusion that your roof wouldn’t have been damaged if it had been newer or in better condition. Even if a claim is approved, the insurance company may only offer “Actual Cash Value” – or a payout that’s based on the depreciated value of the roof when the damage occurred. In other words, if damage to an older roof is attributable to a covered peril like hail or wind, you may not get a full new roof replacement entirely covered.


  • Damage was due to poor installation or a material defect: A roof can also come apart if the materials weren’t installed properly or if they were defective. Misshapen shingles are an example of a manufacturing defect. In this case, your insurance will argue you’ll need to pursue compensation from the manufacturer or installer who used defective shingles, not from them. Our qualified roofers are committed to using the highest quality roofing materials but would be happy to inspect your roof if you’re concerned another roofer used defective shingles or improper installation practices.



  • Insurance adjuster bias: Ultimately, insurance is a business, and they’ll work hard to protect their bottom line. Insurance adjusters employed by the company have an incentive to say your roof’s damage falls outside the purview of their policy. If you don’t provide them with comprehensive evidence of storm damage and a detailed quote from a licensed roofing professional, you may be shortchanged on hail damage or wind damage that should be covered.

 

How to Strengthen Your Claims Chances of Success

 

Ample Documentation

Don’t start permanent roofing repairs until you’ve secured an abundance of evidence and an insurance adjuster can see the disrepair in person. Although detailed photo documentation is important, you shouldn’t be climbing around on your roof when it’s damaged. In general, the less you walk on your roof, the better it is for your safety and your roofing materials.

 

The trained professionals at Perkins Preferred Roofing will safely and effectively capture detailed evidence of the damage for your claim on your behalf.

 

Record of Routine Maintenance

Be sure to keep a record of regular roof maintenance visits to prove to your insurance provider that your roof was in optimal condition and was only damaged because of a storm or another covered accident. We retain detailed records of our maintenance visits and can provide you with receipts if you’ve lost yours.

 

Thorough Roof Inspection

An experienced roofing professional has the expertise and resources to document and accurately attribute the source of roof damage. The Perkins Preferred Roofing team will leave no stone unturned and will ensure every detail is recorded and accounted for in your claim.

 

Should You File a Roof Damage Claim?

 

If your roof damage claim is a success, it could save you thousands of dollars on roof replacement – but your insurance premium can potentially rise as a result. It may not be worth filing a claim if repairing it would be more cost-effective. It’s often best to discuss your options with an experienced roofer in The Woodlands who offers free roof damage consultations.

 

We’re a Local, Family-Owned Roofing Company That’s Helped The Woodlands Homeowners With Their Roof Damage Claims For Years

 

The dedicated roofing experts at Perkins Preferred Roofing have years of experience guiding local homeowners through the roof damage claim process and offer hassle-free maintenance, repair and roof replacement.

 

You can schedule a free roof inspection by calling (832) 702-0201 today.

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