No matter what kind of a roof you have over your house, it is very possible that sometime in the future it might sustain some damage in one form or the other. And whenever that happens, your roofing insurance is exactly what will save you from any added hassle. But to make that work, you need to make sure that you have a good idea about how an insurance claim process function. And to help you with just that, we have compiled all the tips and tricks that you would need to get the best out of your roofing insurance so that you do not miss anything out in case you get stuck in all those technicalities.
Make sure you know all about your policy
As crucial as it may seem, it is very important to know all the details that you can of your insurance policy so that you have a complete knowledge about how to go about for a damaged roof. Pinpoint your coverage, limits and most importantly deductibles so that you can have a clear estimate about how much damage will be covered by your insurance and how much will you have to pay on your own. Though this tip sounds ordinary, it holds great importance when it comes to deducing how much insurance coverage would you get in accordance to your situation.
Have your adjuster on speed-dial
The last thing you would want is to delay any step of your insurance claim. And to make sure that does not happen, it is extremely important to make sure that you have contacted and communicated all necessary details to your adjusted so that he or she can guide you on your next step to make the claiming procedure move forwards. This is important because insurers want timely consults in order to avoid any further possible damage. So, do not shy away from making sure that your adjuster is available right on time.
Study your adjusters report before submission
There is no harm in double checking one’s work, especially when it’s about money. Once your insurance adjuster assesses and evaluates all present damage so that the insurance company can be notified, it is a smart step to go through the report to make sure that every important detail is present along with no ambiguities. This will save you from any future issues that might come up in case approval of an improper report.
Your adjusters offer can be reviewed
Trust us, the offer that you have in hand is something that can easily re reviewed by you. In case you think that the settlement offer is not suitable for your roof damage, then you should contact your adjuster immediately and pass on this train of thought. Also, if under any circumstances you do receive a check from the insurance company, make sure you do not check it out until the present settlement issue is resolved.
Negotiation is the key
You have all the right to decline or accept the roof damage insurance settlement that your insurance company offers. And in case you do decline it, the process is quite simple to let the company think over the settlement again. All you have to do is write back to them, with your case details and make sure that you put your point through in a professional manner along with the reason of your decline. Once done, wait for them to reach back to you so that a new settlement can be made accordingly.
And with these 5 simple tips, you can make sure you get the best out of your roof damage insurance. Make sure you know all that you need to and are efficient as well as effective to solve the roofing issue at hand. And trust us, you will not be disappointed.