Protect Your Roof from Summer Storm Damage and Navigate Insurance Claims

What qualifies for storm damage roof insurance claims? Let’s look at the types of storm-related roof damage that are often eligible for insurance.

• Missing shingles from wind damage
• Bruising and dents from hailstorms
• Water intrusion from floods and hurricanes
• External debris or impacts from trees

After a storm, be sure to look for any interior or exterior clues that may indicate storm-related roof damage.

In general, your homeowners’ insurance covers events like wind damage, hail damage, and fallen trees. Depending on your location, you can even get specific coverage like hail damage insurance and hurricane insurance.

It’s important to remember that homeowners’ insurance typically has limitations and exclusions, such as wear and tear, neglect, and improper installation.

Knowing the difference between Actual Cash Value (ACV) and Replacement Cost Value (RCV) is important for a better understanding of your insurance policy. 

An Actual Cash Value policy only covers the depreciated value of your roof, while a Replacement Cost Value (RCV) policy covers the cost of replacing your damaged roof with a brand-new one. 

Also, the impact of roofing on insurance premiums should be checked to avoid paying unexpected out-of-pocket expenses.

Premier Roofing follows an easy insurance process for ultimate customer satisfaction and guarantee. 

1. Initial inspection and safety
2. Documenting the storm damage to your roof with photos/video
3. Temporary protective measures
4. Contacting your insurance provider
5. Insurance adjuster visit
6. Filing formal claim paperwork
7. Timeline expectations

Working with a roofing contractor can help support your claim and negotiate insurance for a new roof. Avoid scammy “storm chasers” by choosing a local, licensed roofing contractor with years of experience.

Filing a claim doesn’t guarantee coverage for your roof. Late filing, lack of communication, or pre-existing issues can decrease the chances of your claim being approved. 

On the other hand, if you have done everything right, here are some steps you can take to dispute your claim.

• Get a second inspection
• Obtain an engineering report
• Start a formal appeal process

If this fails, seek a structural engineer to inspect your roof for the insurance company. If this is still not enough, then you should consider legal support.

Supplementing your claim is often necessary because insurance estimates often fall short of covering the full scope of work. 

Getting a local and experienced contractor who understands code compliance can also support you with the necessary documentation for your claim.

After the claim is approved, Premier Roofing coordinates with a contractor to begin repairs with all the necessary permits and approvals. 

Once the final payment from insurance is made, we help you understand your warranty and maintenance going forward.

Premier Roofing uses the best residential roofing materials for storm resistance. We also provide season inspections, pre-storm preparation, and a maintenance checklist for homeowners. 

We also frequently update our policy and insurance reviews to provide you with adequate protection.

Dealing with insurance can be confusing, especially if it’s your first time. That’s why we’ve created a helpful insurance guide to help guide you through the process. 

As the locally trusted expert, Premier Roofing encourages and empowers while advocating for your roof insurance claims. Call Premier Roofing today and get started with a free inspection and estimate.