Hail and strong wind damage on roofs has always been a problem in Georgia especially in metro Atlanta due to prevalent storms hard hitting the area making it a necessity for homeowners to have insurance coverage for their property against roof damages.
However, determining whether your roof needs to be repaired or replaced can be perturbing particularly when you have to deal with insurance claims. Having to discuss the issue with adjusters and ensuring that you get reimbursed for all covered property damages can be a daunting task. Since hail storms and strong winds have been frequenting Atlanta and most areas in the South, it is imperative that you find out as early as now how you can file a claim with your insurance company, documents required for filing a claim and what you should expect.
Now what do you have to do if you think you have roof damage and want to file an insurance claim?
First things first; you have to check your home insurance policy to make sure that you are covered and what are covered by your insurance policy. Remember that some policies take into consideration the age of the roof during the time it was damaged and may only fully cover the bill for repair or replacement if the age of the roof is less than 10 years. On the other hand if the age of the roof is more than 10 years then you may only get a refund for the depreciated value of your roof due to wear and tear. There are also some insurance policies that only cover roof damage up to the depreciated value despite of the roof’s age, while other policies offer to cover the full cost of repair or replacement of the roof irregardless of its age at the time it was damaged. If unsure of your policy coverage, the best course of action is to contact your insurance provider for detailed information.
Once you have verified that you are covered by your insurance policy, call your insurance agent and request for a claim to be started on your behalf. Make sure that an insurance adjuster will come and visit your home and thoroughly inspect your roof for damage and its extent.
The next step is to call a professional Atlanta roofing contractor to give you an estimate on repair or replacement. Having an Atlanta roofing company assist you with the process will make it easier for you to navigate your way through your roof insurance claim. Moreover, to make the process seamless, request for the contractor to meet with you and your adjustor to help the adjustor inspect the roof properly.
As a reminder, make sure to contact a reputable Atlanta roofing company with years of experience on its belt with regards to insurance claim process and have a team of highly skilled forensic cost estimators and engineers. Furthermore, it is highly important that once you suspect your roof is damaged by strong winds or hail you immediately act on it and get your roof inspected and repaired as soon as possible to prevent further damage and expedite the claim process.
The insurance recovery professionals at All American Roofing & Construction will alleviate the stress of dealing with the insurance company and undertake all the hard work for you while you relax. They have performed hundreds of other storm and water related claims as well as large commercial projects.
The All American Roofing and Construction team is Atlanta’s #1 company for insurance recovery and claims specialty.