What You Need to Know about Insurance and Your Roof

///What You Need to Know about Insurance and Your Roof

What You Need to Know about Insurance and Your Roof


Our area of Oklahoma is prone to severe storms that unleash high winds, torrential rains, hail, and the occasional tornado. If your roof gets damaged by such a storm, you can face the daunting task of filing a homeowner’s insurance claim to cover the cost of repairs. Gaining some insight into the claims process now can make it easier to cope if and when a storm damages your roof, and it can help ensure that you get the best possible repair results, too.

Determining Whether to File a Claim

If you suspect that your roof has sustained even minor storm damage, have your roof thoroughly evaluated by a HAAG-certified roofing inspector. Even a few broken/uplifted shingles or areas of loosened flashing can cause leaks and extensive structural and interior damage. A skilled inspector can assess, document and photograph the damage to your roof, and give you a cost estimate for repairs. If the anticipated repairs total more than your insurance deductible, it’s worth filing a claim.

Best Way to Handle Roof Damage Claims in Tulsa

Once you’ve had a free roof inspection, here’s how to proceed with a damage claim:

  • Contact your insurance company to report your roof damage and tell them you’ve had an inspection performed. They should ask for the inspector’s name and then set up a time to have their adjuster assess your roof.
  • Plan to have your roofing inspector on hand for the adjuster’s visit. This can avert problems like receiving a settlement offer that doesn’t cover all the needed repairs because the adjuster missed some critical damage.
  • Make sure the roofing contractor you hire for repairs is reputable, well-established in Tulsa, and has experience dealing with insurance claims. Beware of any contractor who offers to do the work without you paying a deductible, or asks if you’re interested in coming out ahead cash-wise on the repairs.
  • When you receive an estimate letter and first check, schedule your roof repairs. Once the work is completed, your contractor will send a final invoice to your insurer, and you’ll receive a second check for any depreciation they held back, less your deductible. After a final inspection, pay your roofing contractor and make sure you receive a workmanship and material warranty certificate.

To have your roof assessed for storm damage by an expert HAAG-certified inspector, contact us at Perfection Roofing Inc., your trusted roof damage claims specialist in Tulsa.

By | 2017-09-25T11:12:03+00:00 October 2nd, 2017|Blog, Roofing|0 Comments

About the Author: