Understanding the Roof Inspection Steps Post-Storm Damage
Filing a storm damage claim can be a stressful process, but understanding what to expect during the roof inspection can make it more manageable. Here’s a detailed look at the process.
Initial Contact and Appointment Scheduling
Once you file a storm damage claim, the insurance company typically schedules an inspection within a few days. It is crucial to document the damage with photos and notes right after the storm, as this will be vital during the inspection.
Inspection Day
On the day of the inspection, the inspector will assess the overall condition of your roof. They will look for visible signs of damage such as missing shingles, dents on vents or gutters, and any damage to chimney caps. They may use drones or ladders to get a comprehensive view of the roof’s condition.
Damage Assessment
The inspector will note the extent of the storm damage and determine if it’s a repair or a full replacement. This decision is influenced by the age of your roof, the area damaged, and previous conditions noted in the insurance policy.
Report and Claim Adjustment
After the inspection, the inspector submits a report to the insurance company. The insurer reviews the report and decides on the claim. If there are discrepancies or disagreements about the coverage or the extent of the damages, this is the time to discuss them with your adjuster.
Hiring a Professional Roofer
Even if your insurance company provides an inspector, hiring an independent roofer can offer a second opinion on the damage. This is important because roof inspectors hired by insurance companies might minimize damage to limit payouts. An independent roofer can help ensure you receive a fair assessment.
Finalizing the Claim
Once the claim is approved, you’ll receive a payment from the insurance company based on the repair or replacement cost minus any deductible. It’s crucial to review the insurance company’s assessment and ensure all damages are fairly covered.
Repairs and Warranty
After settling the claim, you can proceed with the repairs. It’s advisable to use a certified and experienced roofing contractor who can ensure repairs meet local building codes and are covered under warranty. This is especially important in areas like Illinois, where weather can be harsh and unpredictable.
Conclusion
Understanding each phase of the roof inspection process can significantly ease the stress associated with storm damage claims. Ensure you document all communications and stay proactive in following up on your claim to secure the coverage you need.
For immediate service or consultation, you may contact us at Allied Emergency Services, INC.
Contact Information:
Phone: 1-800-792-0212
Email: Info@AlliedEmergencyServices.com
Location: Serving Illinois, Wisconsin, and Indiana with a focus on the greater Chicago area.
If you require immediate assistance or have specific questions, our human support is readily available to help you.
Disclaimer: This article is intended for informational purposes only. For professional advice, consult experts in the field.
