The thought of having to file a homeowners insurance claim makes most of us groan. But when it comes to roof replacement in Arkansas, our experts work with insurance companies every day, and would be happy to step you through the process.
Homeowners must take immediate action as soon as any roof issue is noticed. What might appear to be a small problem can easily lead to costly structural damage that could have been avoided if dealt with earlier. If your roof is in poor condition, consider getting a new one. Since your roof is a vital part of your house, you may be entitled to some compensation under your homeowners insurance policy for a complete roof replacement.
Types of Roof Damage Covered by Homeowners Insurance
In the case of very old, disintegrating roofs, actual cash value (“ACV”) insurance policies will probably not pay for a replacement especially if you have neglected proper maintenance of your roof. After all, a decaying, run-down roof is bound to collapse at some point. However, if your roof suffers major damage from an unforeseen disaster such as a storm, there is a good chance that your insurance will cover most, if not all, of the costs (but not your deductible) if you have a full coverage policy. For damaged roofs, ACV policies will only cover the actual cash value of your roof rather than the costs of a full replacement.
Our Tip Sheet: How to File an Insurance Claim
Follow the proper steps to ensure that you receive the full compensation under your policy.
❏ Take pictures
As soon as you notice issues or damage, take pictures. BEWARE! You should take pictures of noticeable damage either from inside the house, or using a zoom lens while on the ground outside your home. Depending on the slope of your roof, climbing onto it can be dangerous and is not recommended.
❏ Contact your agent
Maybe you’re not sure if the damage to your roof is enough to warrant a claim. If that’s the case, get a free roof inspection from a professional roofing company like SC Home – Roofing, Window & Siding to help you make that determination. If you believe you have a claim, contact your insurance company. There are time limits for certain types of damage, so you’ll want to contact a representative to put them on notice of your intent to file a claim. The insurance company will want to set up a time to inspect your roof and give you their estimated costs to replace the roof.
❏ Contact SC Roofing
The insurance company will send an adjuster to your home to inspect the roof. Often, professional roofers can point out issues or problems that might be missed by the adjuster. We work as an advocate for our customers to make certain they are given the maximum benefit from the insurance company. Let us know after the adjuster is scheduled to make his inspection, and we’ll work with the insurance company on your behalf. Also, it’s not always clear whether your roof needs to be repaired or replaced. The insurance adjuster is, in large part, making that determination, so we want to be 100% confident in what information is being relayed to the insurance company.
❏ Get a professional estimate
The estimate of costs that the insurance company gives you should be enough to cover the costs of replacing your roof. If you haven’t yet received a free quote from SC Home – Roofing, Windows & Siding, give us a call to assess your roof as well as the adjuster’s estimate, which we’ll review to make sure everything is covered in it. If you choose to obtain estimates from several contractors, be sure to select experienced companies that follow sound business practices, have a solid reputation in the area, and are not using low quality materials in order to cut costs. Your final decision should not be based on the lowest price, but on which company you are most comfortable giving your business to. Give your chosen written estimate to your insurance company.
❏ Save all receipts
If your roof is too damaged for you to continue living in your house, you may have to have the roof at least partially fixed before you receive compensation from your insurance company. Keep the receipts so that you can give them to your insurance company later.
❏ Fill out the claim form
Be meticulous with the numbers you file in your claim. Your insurance company may refuse to pay anything if you intentionally or unintentionally misrepresent the facts.
❏ Pay for the replacement
If your policy covers the full replacement cost, your insurance company will either reimburse you for costs that you paid for personally after the work is complete, or will pay the roofing company directly. However, you will receive the money upfront if your policy covers actual cash value. Don’t forget that even if you have a full-coverage policy, you will still be responsible for paying your deductible amount to the insurance company.
Choosing roofing materials that are durable enough to withstand harsh hail storms will add value to your property, and a professional roofing contractor in Arkansas will be able to choose the right materials and offer the best solutions. As an added bonus, you will get better coverage and possibly a better rate from your homeowners insurance policy by replacing your roof. The key to getting a good return on your investment is to hire experts who can quickly install your roof efficiently and using high-quality materials. If your roof needs replacing, contact SC Home – Roofing, Windows & Siding with questions about homeowners insurance for roof replacement in Arkansas or call (501) 588-0842. Our experts are here to help and will answer any question that they can about your insurance claim.