With the volatile weather here in Oklahoma, it’s impossible to predict when the roof on your commercial property might sustain damage which necessitates filing an insurance claim.
Having a strategy in place to protect your bottom line during the claim process is the best way to minimize the financial and physical impact of storm damage. You can do this by taking the following two-prong approach to lessen the likelihood of damage occurring and limit storm-related expenses, business disruptions, and inconvenience for your customers or tenants.
Prepare for Storm Damage Claims and Repairs
Taking these proactive steps now can make it easier to deal with a future roofing emergency and insurance claim.
- Connect with a licensed and insured local roofer. Make sure your chosen roofing contractor has experience in your particular type of commercial roof system, offers 24-hour emergency roof repair services, and is well-versed in the insurance claim process. When you work with a reliable roofer on a regular basis, you won’t have to worry about finding help in an emergency. You’ll also avoid fly-by-night roofers who appear after a storm, do sub-par repair work, and leave the area.
- Keep your roof in good repair. Have your roofer perform detailed, semi-annual inspections to keep your roof watertight and in the best possible condition to withstand damaging storms. Follow their advice about routine maintenance your staff can complete and tackle their recommended repairs and preservation actions promptly after each inspection.
- Stay up-to-date on your property insurance details. Read through your policy and/or speak with your insurance company to gain a good understanding of your coverage and any policy limitations or exclusions. You should also factor your insurance deductible into your annual budget so you have the required amount set aside when it’s needed. Additionally, ask your insurer about their claim process and your responsibilities for mitigating property damage after a storm.
- Set up a roof care file. You can help your roofing contractor respond to an emergency by keeping all roof care-related documents organized in one file. Include warranty paperwork from your material manufacturer, installation details for added rooftop equipment, and all recent inspection reports, in-house maintenance checklists, and repair work orders. Make sure your file contains an up-to-date insurance policy declaration page, your insurer’s contact number for filing claims, and your roofer’s phone number. These essentials should be readily accessible when needed.
Follow These Roof Damage Insurance Claim Tips
Taking proactive steps in advance is wise, but it’s also vital to know what do immediately after a storm when you need emergency roof repair services and must file an insurance claim. You can use the following tips to develop an emergency response plan so you’re fully prepared for such a situation.
- Don’t task your maintenance staff with post-storm roof care. After a severe weather event, don’t send your maintenance staff up on the roof to assess damage or make temporary repairs. In the wake of a storm, your rooftop can contain a host of safety hazards, like shorted-out equipment, a weakened deck, or downed power lines. Instead, have your staff perform a perimeter check of the building from ground level, and look for evidence of roof damage using binoculars. They should also check the building’s interior for signs of water leaks like puddles on floors, and sagging or stained ceilings and walls. They can take steps like cleaning up water posing a slip-and-fall danger and putting out containers to catch leaks.
- Call your roofing pro for emergency help. If water is getting into the building, or you have concerns the roof was harmed, call your roofing pro right away. As soon as it’s safe to do so, they’ll send out a crew to assess the damage and take short-term measures to halt leaks and limit further damage. Your roofer can then schedule a thorough evaluation of the roof’s condition and provide you with an emergency roof repair cost estimate including details and photos of any damage.
- Notify your insurance company. Once you’ve taken steps to mitigate any further property damage, you’ll need to contact your insurer to file a claim. Having an experienced roofer as an ally during this process makes it easier to safeguard your bottom line and helps you avoid unnecessary stress and future headaches. Your roofer can be on hand when an adjuster visits to make sure all obvious and hidden damage is included in the insurance report so you receive an accurate, fair settlement. A knowledgeable local roofer can also ensure recommended repairs are up to code and make lasting repairs to restore your building’s roof to its pre-storm condition.
For peace of mind about expert emergency roof repair services and skilled help navigating the insurance claim process for your Tulsa-area property, contact us at Perfection Roofing Inc.