Roof storm damage can include damaged or missing shingles, holes, dents, or other issues that can compromise the structural integrity of your home. Florida homes are very vulnerable to storm damage due to their coastal location. If a storm damages your roof, it’s important to act quickly to repair or replace your roof to prevent further damage to your home.
If it’s your first time dealing with something like this, it can feel a little overwhelming. But, by working with a trusted insurance provider like NSI, you can get the coverage and customer support you need to recover from such an event. Here’s what you should do if your roof is damaged by a storm.
Does Home Insurance Cover Roof Damage?
Homeowners insurance does cover roof damage provided that the damage is caused by a covered peril. A typical homeowners insurance policy will cover several common hazards, including:
● Storms
● Hail
● Lightning
● Fire
● Falling objects
If your roof suffers damage due to one of these perils or another covered hazard, then your home insurance policy will typically pay to repair or replace your roof up to your coverage limit. Homeowners should carefully review their declarations page to learn more about what perils are and are not covered by their home insurance policy.
What to Do if Your Roof Has Storm Damage
To prepare themselves for the unexpected, Florida homeowners need to understand what steps to take if a storm damages their roofs.
Contact your insurance provider
The first thing you should do if your roof has storm damage is to contact your insurance provider. By contacting your insurance company, you can start the claim process as soon as possible and give them details regarding the damage to your roof. Your insurance provider will be able to walk you through the claim process and help you understand what steps to take next.
Or, if you are working with one of our independent insurance agents at NSI insurance, contact us, and we will guide you through the process.
Assess the damage
Depending on your insurance company, there are generally two options for assessing the damage to your roof. Your insurer may send out an insurance adjuster to perform an inspection. The adjuster will determine whether or not the damage was caused by a covered peril.
Alternatively, your insurance provider may tell you to find a local contractor to perform an inspection. The contractor will document any proof of storm damage on your roof and send it to your insurance company. An adjuster will review this documentation and determine if they will move forward with your claim.
What to Know About the Insurance Claim Process for Roof Storm Damage
The insurance claim process can often be confusing, especially for homeowners that have never had to file a claim. Understanding how the claim process for roof storm damage works and what you should expect during this process can help alleviate some stress from the situation. Here are a few key things to keep in mind about the insurance claim process:
● An adjuster will either approve or deny your claim.
● If your claim is denied, you can request a second insurance adjuster to inspect the roof damage. If the second adjuster also denies the claim, you can contract a local engineer to inspect your roof and submit proof of damage to your insurance provider.
● Don’t sign any paperwork with roofing companies before your claim has been approved.
● You’ll be able to choose your own contractor to repair your roof after your claim has been approved. Homeowners should choose contractors who have experience working with insurance claims.
To increase the chances of your claim being approved, you should make sure to document the damage to your roof as clearly as possible. You should also make sure to keep records of all communications with your insurance company and roofing repair company to prevent miscommunication.
Request a Homeowners Insurance Quote
Dealing with roof storm damage can be stressful if you aren’t sure what steps to take. By contacting your insurance company and working with reputable local contractors, you can repair your roof as quickly as possible and get the reimbursement you deserve.
To avoid a long, drawn-out insurance claim process, it’s important to work with an insurance company that treats you with the respect you deserve. NSI Insurance has served Miami and the surrounding area for over 20 years, and we take pride in treating clients like family.
Is your insurance company giving you the run around about filing a storm damage claim?
It might be time to consider upgrading your policy so that you can get the extra coverage and added customer support that you deserve. Contact our team at NSI to learn more about homeowners insurance and get a quote today!