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  • Craig Harrell

What You Need To Know About the Roof Insurance Claim Process

Updated: Apr 16

Owning a home is an incredible accomplishment, but it's also one that comes with a fair amount of responsibility. One of the most significant aspects of homeownership is ensuring your property, specifically your roof, is in good shape. We see it everywhere in Florida, the blue tarps on a roof, waiting for repair and replacement. Our severe weather and hurricane season make this a regular maintenance need. So in this blog, we'll walk you through the roof insurance claim process and share the claim reasons most likely to get approved.

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The Importance of Roof Insurance

A sturdy, well-maintained roof is your home's first line of defense against nature's elements. But when hurricanes, heavy winds, hailstorms, or other extreme weather conditions strike, even the best roof can suffer damage. Roof insurance is a component of your homeowner's insurance policy that provides coverage for roof damage caused by these unavoidable circumstances.

The Claim Process: Step by Step

Understanding the insurance claim process is vital for getting your roof repair or replacement covered. Let's walk through the steps together.

1. Assess the Damage

Before contacting your insurance company, carefully assess the damage to your roof. If possible, take clear photographs and detailed notes about the extent and nature of the damage. This will be useful when you file your claim and if an adjuster needs to review the case.

2. Contact Your Insurance Company

Once you've gathered the necessary information, contact your insurance company as soon as possible. The sooner you file the claim, the better.

3. Fill Out the Necessary Paperwork

After contacting your insurance provider, you'll need to fill out a claim form. This form typically requires specific information about the damage, including the date and cause of the damage, a description of the damage, and any repair estimates you may have. Your photographs and notes will be handy at this stage.

4. Meet with the Insurance Adjuster

Your insurance company will send an adjuster to inspect the damage and verify your claim. Make sure to be present during this inspection to ensure the adjuster accurately assesses all the damage.

5. Approval or Denial

Once the adjuster's report is submitted, your insurance company will either approve or deny your claim. If approved, they will provide you with compensation for repairs or replacement. If denied, you can dispute the decision if you believe it to be incorrect.

Claim Reasons That Get Approved the Most

Claims can get approved for a variety of reasons, but some are more common than others. Here are some scenarios that are typically covered:

1. Weather-Related Damage

Florida is no stranger to extreme weather conditions. Claims due to hurricane, wind, and hail damage are some of the most frequently approved.

2. Accidental or Unavoidable Damage

Accidents happen! If your roof damage is a result of an unavoidable event like a fallen tree, the chances are good that your claim will be approved.

3. Vandalism

If your roof has been deliberately damaged by someone, this is typically covered by your homeowner's insurance. Remember, each insurance company has its own set of guidelines regarding what they cover, and there might be exceptions or special clauses. It's essential to thoroughly understand your policy and work closely with your insurance provider to ensure your claim gets processed smoothly.

File Your Claim with Harrell Adjusting Services

Living in Florida can be a paradise, but it's also accompanied by its share of challenges, particularly when it comes to protecting your home from harsh weather conditions. By understanding your insurance policy and the claim process, you can navigate any necessary roof repairs with confidence. Remember, always keep your insurance policy information accessible, maintain accurate records of your property, and don't hesitate to ask your insurance company questions if you're unsure about anything.

This will ensure that should the time come to file a claim, you'll be well prepared. If you need help filing your claim, or you're unhappy with the decision from your insurance company, call our team at Harrell Adjusting Services. We work for you to get the outcome you deserve!



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