With years of experience in the roofing industry, Joe Hall Roofing has seen commercial customers suffer because of insurance discrepancies. Our goal is to help you not just fix your roof, but to help you make sure you’re getting the most out of your roofing insurance policy. Here are some tips to keep your roof in regulation for warranties and eligible for insurance claims.
Weather storms, wear and tear, and the aging lifespan of a roof all have an effect on your roof system. Regardless of your reason, if you have any concerns about the safety or reliability of your roof, contact Joe Hall Roofing right away. We offer a free on-site inspection to determine if there is any damage to your roof.
We offer this free service so that customers can have a professional opinion before ever contacting your insurance agency. Tip one: get specific details from the inspection. When you make the phone call to your insurance, you will need to provide your insurance with detailed information. Having the inspection already done, at no cost to you, keeps you informed.
If there is damage to your roof, discuss your options with your Joe Hall Roofing consultant. These are all steps in preparation before a phone call to your insurance provider. You want to have as much information as possible to relay to your insurance agent. If the damage is large enough and temporary repairs are needed immediately, proceed to prevent any further damage, but keep all of your receipts to turn in to the insurance company.
Documentation is key in communication with your insurance provider. In addition to the receipts, take before and after pictures of your roof system. Get pictures of the damage prior to any repairs and after temporary repairs.
Make sure that no permanent repairs are made until the adjuster has had the opportunity to inspect the damaged area. This is the most important tip. Following this rule of thumb can save you a lot of time and heartache dealing with insurance requirements.
Once the inspection is complete, you will receive a claim sheet with an outline of the damage and the funds designated for the repairs, less your deductible. The claims adjustor will provide you an itemized explanation of the claim settlement, including your deductible amount, depreciation, and net claim amount. Save this for your records.