Should I Call A Roofer Or Insurance First

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Post on Nov 07, 2024

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Should You Call a Roofer or Insurance First After Roof Damage?

A storm has rolled through, and you’re staring at a damaged roof. The first thing that probably pops into your head is: "Who do I call?" Should you contact a roofer immediately, or should you involve your insurance company first? The answer isn't always straightforward.

Understanding Your Policy is Key

Before you make any calls, it's crucial to understand your insurance policy. This is where reading the fine print is essential. Your policy will likely outline:

• Coverage: What types of roof damage are covered?
• Deductibles: How much will you have to pay out-of-pocket before insurance kicks in?
• Process: What steps are involved in filing a claim?

When to Call Your Insurance Company First:

Here are some situations where it’s generally best to contact your insurance company before reaching out to a roofer:

• Significant Damage: If the damage is extensive, like a complete roof tear-off or structural compromise, your insurer will want to assess the situation and guide you on next steps.
• Unclear Coverage: If you're unsure if your policy covers the specific damage, your insurer can clarify your benefits and provide guidance.
• Documentation Requirements: Your insurance company might require specific documentation, like photos or videos, to process your claim.
• Contractor Approval: Some policies require your insurer's approval before hiring a contractor.

When to Call a Roofer First:

In certain situations, contacting a roofer first might be more beneficial:

• Minor Damage: If the damage is minor, like a few missing shingles, a roofer can quickly assess the situation and provide a repair quote.
• Emergency Repairs: If the damage poses an immediate threat, like leaks causing water damage inside, you might need emergency repairs without waiting for insurance approval.
• Getting Multiple Quotes: Having a roofer's assessment can help you understand the scope of the damage and gather quotes for repairs, which can be helpful when dealing with your insurance company.

The Best Approach: A Balanced Strategy

The most effective strategy is often a balanced approach.

1. Document the Damage: Take clear photos and videos of the damage, focusing on the affected areas and any potential damage inside your home.
2. Contact Your Insurance Company: Inform them of the damage and file a claim.
3. Get a Roof Inspection: Once your insurance company confirms coverage, contact a qualified and reputable roofer for an inspection.
4. Collaborate with Your Insurer: Share the roofer's assessment and repair quotes with your insurance company.

Choosing the Right Roofer

Once you decide to hire a roofer, it's crucial to choose a reputable and experienced contractor. Here are some tips:

• Get Recommendations: Ask friends, family, and neighbors for referrals.
• Check Credentials: Verify their license, insurance, and certifications.
• Read Reviews: See what others have said about their work and customer service.
• Get Multiple Quotes: Compare quotes from at least three different roofers.

Conclusion:

Deciding whether to call a roofer or your insurance company first after roof damage depends on the extent of the damage and your specific insurance policy. While involving your insurance company early on can ensure you receive the appropriate coverage, contacting a roofer first might be necessary in emergency situations or when seeking quotes for repairs. Remember to document the damage, understand your policy, and choose a reputable contractor for any repairs.