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Avoid These Mistakes When Filing an Insurance Claim For Denver Roof Repair

April 26, 2017

If your roof has been damaged, your homeowner’s insurance may cover the cost of Denver roof repair. However, if you make a mistake during the process of filing the claim, this could affect the amount you receive from your insurance company. To ensure that you get every dime that you deserve, avoid these common mistakes:

Making repairs without talking to your insurance company.

You should never assume that any and every type of roof repair will be automatically covered by your insurance policy. It’s strongly recommended that you have a conversation with your insurance company prior to beginning any roof repairs so you can make sure that you will be reimbursed for the cost of the repairs. If you don’t take this step, you may end up having to pay for the roof repairs on your own.

Calling the insurance company first.

Yes, you should talk to your insurance company before beginning any repairs, but you should still call a roof repair company first. Why? You will need a professional roofer to visit your home, assess the damage, and document the condition of your roof. A roofer can help you prove the cause and extent of the damage so you don’t have to waste your time and energy fighting with your insurance company over these matters. So, before you call the insurance company, have a roofer come to your home right away to inspect the damage. Then, speak to the insurance company and begin the process of filing a claim.

Not providing documentation.

You are expected to maintain your roof to keep it in good shape. If your insurance company determines that the damage was a result of improper maintenance, they may choose not to pay for the repairs. If your insurance company tells you that you have not properly maintained your roof, be prepared to provide them with documentation that proves you have made an effort to take care of your roof. For example, if you have had annual roof inspections or performed any work on the roof yourself, provide invoices for the services or materials that you have purchased.

Hiring a roofing professional without researching.

If you hire the cheapest roofing professional you can find, you may end up needing additional roof repair much sooner than you expected. No one wants to spend more time than necessary filing claims and dealing with an insurance company, so don’t make this mistake. Take your time and find a roofing professional that has a good reputation within the community, is able to provide references, and has experience working with insurance adjusters on roofing claims. The CRA, Colorado Roofing Association, provides a guide to help you find the right roofing professional and the hiring process on their Hailstorms and Your Roof page.

If your roof has been damaged, contact Big Creek Roofing before you get in touch with your insurance company. Big Creek Roofing is the premier Denver roofing company, with a staff that specializes in every aspect of roof maintenance, repair, and replacement for commercial and residential properties. When you hire our team to tackle your roofing project, you can expect on-time and high quality service at a reasonable price. Contact us today to discuss your roofing needs!