6 Steps to Get Homeowners Insurance to Pay for a New Roof

Accidents happen, and roofs often bear the brunt of these unexpected events. Too often, homeowners pay for roof repairs out of pocket, unaware that their homeowners insurance might cover the cost. Understanding how to navigate the insurance process can save you substantial money after incidents like storms, falling trees, or other unforeseen events.

Securing a full roof replacement from your insurance company involves a detailed process. Most homeowners insurance policies have specific steps that begin with filing a roof insurance claim. This process can be complex and challenging without proper knowledge of your policy and how homeowners insurance works. Fortunately, we’re here to guide you through all the steps of getting your homeowners insurance to pay for a new roof.

1. Review Your Insurance Policy

Before filing a claim, ensure that your policy covers roof damage. Not all policies include this coverage. If you don’t have a copy of your policy, your insurance agent can provide one via email or postal service.

Policies with roof coverage typically offer payments for repairs or replacements. Repair coverage might only cover a portion of the costs, whereas replacement coverage can cover the cost of a new roof if the damage is severe enough that repairs are not feasible.

2. Document the Roof Damage

Homeowners: Inspecting a roof can be dangerous. It’s very important that you have all of the proper safety gear and knowledge. JD Wiggins Inc offers a free roof inspection, so please don’t hesitate to Call 757-439-7057 or click here to submit your request online, before jumping up on your own roof.

Before you file a claim, gather evidence of the damage by taking clear photos of the exterior damage to the roof and any related interior damage. Record the date and time of the damage and describe the event (e.g., a storm or fallen tree) to substantiate your claim. Also gather supporting evidence like newspaper articles about the weather to help support your claim.

3. Get a Professional Roof Inspection

Your insurance company will likely require an inspection report and a repair or replacement estimate. At JD Wiggins Inc our free roof inspections come with a detail report of all findings to ensuring that your claim is well-supported and more likely to be approved.

Our repair or replacement estimates try to be as transparent as possible and don’t contain any hidden fees. We provide you with all new warranty information and a list of the products and processes we use. If you have any questions please don’t hesitate to reach out.

4. Choose a Reputable Local Roofing Contractor

Insurance companies prefer estimates from local roofing contractors. Whether you choose us or not, make your your contractor includes costs for both repairs and replacements using various materials.

Select a contractor known for fair pricing and quality work. A contractor with a poor reputation or high prices may lead to a denied claim. At JD Wiggins Inc we have a long history of working with insurance companies and can ensure the whole process goes smoothly.

5. Beware of Scammers

After major storms, scammers often target affected homeowners with offers of quick, cheap repairs. These scammers make big promises, take your money, and disappear without doing the work.

Thoroughly vet any contractor before hiring. Ensure they are licensed and check reviews and references. Scammers can be persuasive, so due diligence is crucial.

6. Maintain Communication With Your Insurance Agent

Your insurance agent should be your ally throughout the claims process. Provide them with photos, estimates, and any other necessary documentation promptly. They can guide you on additional steps required to get your claim approved.

Each insurance company has its own procedures, which can vary depending on your location. Once your claim is approved, your agent will assist in coordinating with the roofing contractor and managing the payment process.

At JD Wiggins Inc. our comprehensive process ensures that every step, from the initial storm damage assessment to working with your insurance adjuster, is handled smoothly and efficiently. Contact us today to get started on your roof replacement without the hassle.