The skies have cleared, the winds have calmed, but the impact of a recent storm is evident on your property, especially your roof. Storm damage to your roof, whether from wind, hail, or heavy rain, can be stressful and overwhelming. One of the first steps you’ll likely consider is filing an insurance claim to help cover the costs of repair or replacement. Understanding how to navigate this process is crucial for ensuring that you receive the compensation you need for repairs. Schottenstein Roofing has been serving Columbus and Cincinnati, Ohio, since 2018, providing top-quality roofing, siding, windows, and gutter services. With our expertise, we can help you manage your insurance claims effectively and ensure your home is restored to its original condition. We will walk you through the steps to take when dealing with storm damage and insurance claims, ensuring you get the support you need.
Types of Storm Damage to your roof
A storm can inflict various types of damage on your roof, each requiring different approaches to repair. Understanding these types of damage is crucial for effective communication with your insurance company.
Wind Damage
High winds can lift shingles, break them, or even blow them off entirely. This can lead to exposure of the underlying materials, increasing the risk of leaks and further structural damage. Wind can also cause debris to strike your roof, leading to punctures or other significant issues.
Hail Damage
Hail can create dents in shingles that may not be immediately visible from the ground. These dents can compromise the integrity of the roofing material, leading to leaks and reduced lifespan of the roof. It’s essential to have a professional inspection to assess any hidden damage.
Water Damage
Heavy rain can lead to leaks, especially if your roof has pre-existing vulnerabilities. Water damage can also affect your home’s interior, potentially causing mold growth and damage to insulation and ceilings. What’s more, prolonged exposure to water can weaken the roof structure over time.
Ice Dams
During the colder months, ice can build up along the eaves of your roof, preventing proper drainage. This can cause water to back up under shingles, leading to leaks and damage to the roof structure. Ice dams can be particularly problematic in regions like Ohio that experience freeze-thaw cycles.
Recognizing these types of damage can help you provide accurate information to your insurance adjuster, which is essential for a successful claim.
Assess the Damage: Safety First
Before you do anything else, prioritize safety. Do not attempt to climb on your roof to inspect the storm damage yourself, especially if there are visible signs of structural damage or if the roof is wet. Falling debris and slippery surfaces can create hazardous conditions. Instead, contact a professional roofing contractor for a thorough inspection.
At Schottenstein Roofing, we offer free inspections for storm damage in Columbus and Cincinnati, OH. Our experienced team will identify all areas of concern, document the damage with photos and notes, and provide you with a detailed assessment report.
Contact Your Insurance Company: Initiate the Process
Once you have a professional assessment of the storm damage to your roof, contact your insurance company immediately to report the claim. Be prepared to provide the following information:
- Your policy number
- Date and time of the storm
- A brief description of the damage
- Contact information for your roofing contractor
Your insurance company will assign you a claim number and guide you on the next steps.
Document Everything: Photos and Records
Thorough documentation is crucial for supporting your insurance claim. Before any repairs are made, take clear photos and videos of the damage from various angles. This visual evidence will help your insurance adjuster understand the extent of the damage.
Additionally, gather any relevant documentation, such as:
- Roofing contractor’s inspection report
- Estimates for repair or replacement costs
- Receipts for any emergency repairs you had to make
Keep all documentation organized and easily accessible.
Your Policy: Coverage and Deductibles
Take the time to review your insurance policy carefully. Pay attention to the sections related to storm damage, covered perils, and your deductible.
- Covered Perils: Does your policy cover damage from wind, hail, falling trees, or other storm-related incidents?
- Deductible: How much will you need to pay out of pocket before your insurance coverage kicks in?
Knowing these details will help you manage expectations and avoid surprises.
The Insurance Adjuster’s Visit: Be Present and Prepared
Your insurance company will schedule an adjuster to visit your property and assess the damage. It’s essential to be present during this inspection and to have your roofing contractor present as well. The roofing contractor can point out details that the adjuster might miss and advocate for necessary repairs.
During the inspection:
- Walk the adjuster through the damaged areas, pointing out specific concerns.
- Provide the adjuster with your documentation, including photos, reports, and estimates.
- Answer the adjuster’s questions honestly and thoroughly.
Review the Adjuster’s Report: Negotiate if Needed
After the inspection, the adjuster will prepare a report outlining their findings and the estimated cost of repairs or replacement. Review this report carefully and compare it to your contractor’s assessment.
- Do the estimated costs align?
- Are all necessary repairs included?
If you disagree with any aspect of the adjuster’s report, don’t hesitate to negotiate. You can provide additional evidence or seek a second opinion from another adjuster.
Work with Your Contractor: Schedule the Repairs
Once you agree on the scope of repairs and the insurance settlement, work with your roofing contractor to schedule the work. At Schottenstein Roofing, we are experienced in working with insurance companies and can help ensure a smooth transition from claim to completion.
We will handle all communication with the insurance company, coordinate the repairs, and keep you informed throughout the process.
Finalize the Claim: Receive Payment
After the repairs are completed, your roofing contractor will submit the final invoice to your insurance company. Once the insurance company processes the payment, you’ll receive the funds to cover the remaining balance.
Frequently Asked Questions
Q1. What if the insurance company denies my claim?
- You can request a re-evaluation by providing additional evidence to support your claim, such as photos, contractor reports, or witness statements.
- You can also file an appeal since most insurance companies have an appeals process. You’ll need to present a formal letter outlining the reasons for your appeal and supporting documentation.
- As a last resort, you can seek legal advice if you believe the denial is unfair or unjustified. It’s best to consult with an attorney specializing in insurance claims.
Q2. Do I have to use the contractor recommended by my insurance company?
No, you have the right to choose your own contractor. Insurance companies often have preferred contractors, but you are not obligated to use them. It’s important to select a contractor you trust and who has experience working with insurance claims. Schottenstein Roofing, as mentioned in the sources, specializes in working with insurance companies and can advocate for your needs.
Q3. How long does the insurance claim process typically take?
There is no set timeframe, as the duration can vary depending on the complexity of the damage and the responsiveness of the insurance company. However, it’s generally advisable to allow several weeks for the claim to be processed and the repairs to be completed.
Q4. What if the damage is more extensive than the insurance adjuster initially estimated?
If your contractor discovers additional damage during the repair process that wasn’t included in the adjuster’s initial estimate, they should:
- Document the new damage thoroughly with photos and descriptions.
- Contact the insurance company immediately to inform them of the additional damage.
- The insurance company may send an adjuster for a re-inspection.
- Negotiate with the insurance company for supplemental coverage to address the newly discovered damage.
Q5. Will my insurance premiums increase after filing a storm damage claim?
This is a possibility. Insurance companies assess risk and may adjust premiums based on claim history. However, the extent of the increase (if any) depends on factors such as your individual policy, the severity and cost of the claim, your overall claims history, and state regulations.
Q6. What if my roof needs to be replaced entirely?
If the damage is severe enough to warrant a complete roof replacement, your insurance company should cover the cost, minus your deductible, as long as the damage is caused by a covered peril. It’s important to have a detailed contractor’s report outlining the reasons for replacement, along with photos and other documentation, to support your claim.
Q7. Does my insurance cover temporary housing if my home is uninhabitable due to roof damage?
Many homeowners’ insurance policies include “loss of use” or “additional living expenses” coverage. This coverage helps pay for temporary housing, meals, and other essential expenses if you’re displaced from your home due to covered damage. Check your policy for specifics on this type of coverage.
Why Choose Schottenstein Roofing for Storm Damage Restoration
Schottenstein Roofing is the leading roofing contractor in Columbus and Cincinnati, OH, for a reason. Our commitment to quality, integrity, and customer service sets us apart.
- GAF Master Elite Certified: We are among the top 2% of roofing contractors nationwide, ensuring expert installation and top-of-the-line materials.
- Lifetime Workmanship Warranty: We stand behind our work and offer a lifetime warranty for peace of mind.
- Experience in Insurance Claims: Our team is well-versed in navigating insurance claims and will advocate for you every step of the way.
Protect Your Investment: Contact Schottenstein Roofing
A storm can cause significant damage to your roof, but with the right knowledge and a reliable roofing contractor, you can navigate the insurance claim process effectively. Remember to prioritize safety, document everything, understand your policy, and work closely with your contractor and insurance adjuster.
Ready to get your roof back in top shape? Contact Schottenstein Roofing today for a free inspection and consultation! We are here to guide you through every step of the process, ensuring you receive the coverage you deserve and a roof that will protect your home for years to come.