Step-By-Step Guide: How to File an Insurance Claim on Your Roof

So it’s been determined you need roof repairs or a complete roof replacement – now what? How do you file your roofing insurance claim?  What do you do?  Where do you start? Dealing with your homeowner's insurance company can often time be overwhelming for some. Specialized Contractors, LLC wants to make the process as simple and stress-free as possible and will handle the claim process for you if needed. We’ve provided a step-by-step breakdown of how the roofing insurance claim process works so your project can be completed as soon as possible.

• Call in Your Claim to Your Insurance Company – After you’ve had a roofing contractor assess your roof and it’s been determined that you need repairs or a replacement, then and only then will you contact your homeowner's insurance company. You cannot file a roofing insurance claim until damage has been confirmed by a reputable contractor. If you are still looking for a roofing contractor, make sure you read this: How To Choose the Best Roofer

After any roofing contractor writes up your cost estimate, go ahead and make the call to your insurance company’s claim department. Your rep will talk to them with you to ensure they get the most detailed and accurate information from the very beginning. If information or certain details get left out the insurance adjuster that comes to inspect your roof won’t know everything he or she is supposed to be looking for – meaning your check could end up being less than what is needed to complete the project.

• Schedule with an Insurance Adjuster – Once a claim has been started an insurance adjuster will call and let you know when he/she needs to come inspect the roof. You don’t have to be at home for this, but some homeowners like to be present. If you already have a roofing contractor chosen you will need to let them know when the roof is being inspected also.

If you have chosen Specialized Contractors, LLC to handle your roofing project, just let your rep know when the adjuster will be there to inspect the roof. We will meet with them for you and make sure that the adjuster doesn’t miss any damages listed in your roofing analysis. We want to ensure that our customers get all of the money needed to complete the project and aren’t left having to come out of pocket.

• Receiving the Estimate Letter and Check – After the adjuster inspects the damage to your roof, he will determine a value and write an estimate for the work that needs to be done. The estimate will show, in detail, everything that needs to be done. In addition to the roof, they may include gutters, windows, painting, vents, etc. The check will most likely be included in the estimate letter and should cover the cost of repairs.

If you requested for your roofing contractor to meet with the insurance claims adjuster, you shouldn’t have to worry if the check will cover all repairs. Specialized Contractors, LLC will work with the adjuster to make sure every issue gets listed on the estimate and is included in the value that is determined to complete the project.

• Completing the Work – Once you receive the estimate letter and insurance check, your roofing contractor can start repairing or replacing your roof. If the contractor also handles the other work, such as gutters, vents, or other items, that portion of the project will be completed at or around the same time as the roof. If the roofer does not handle the additional repairs noted on the estimate, then you will need to find contractors that do those other things.

Not only does Specialized Contractors, LLC repair and replace residential and commercial roofs, we repair gutters, windows, doors, and more. This means you don’t have to deal with more than one company when it comes to your home repair – keeping the project and the effort on your part, as the home or business owner, at a minimum.

PROTIP: If you suspect that you might have damage to your roof from any recent storms or your roof is aging and you think you might need a replacement – contact us to schedule your next roofing analysis. For more information about our company and the services we provide, click here.

Specialized Contractors, LLC is your premier residential and commercial roofing contractor, with over 150 years of combined experience in roof installation and replacement. Our professional and knowledgeable team provides the highest quality service in the following areas and more: Gallatin, Lebanon, Mount Juliet, Hermitage, Antioch, Donelson, Cookeville, Clarksville, Brentwood, Franklin, Smyrna, Nolensville, Watertown, Springfield, Hendersonville, Joelton, Portland, Murfreesboro, LaVergne, Madison, Old Hickory, and the list goes on! We offer free roofing analysis year round and as always, you’re never under any obligation.