It’s a great practice to regularly take pictures of your roof and the rest of your property. This will make any insurance claims process go faster and your public adjuster will thank you – and just in case you’re required to attend an examination under oath, your public adjuster and you will be well prepared. When you acquire a new property or make significant renovations (like installing a new roof or how long your roof will last), take detailed photos and videos of its condition and store them in multiple safe places (such as uploading them to a cloud account as well as a hard drive or USB storage). Know that the insurance process can be long and involve lots of documentation, research, and follow-up, but your public adjuster is your advocate and will help through the process.ĭocument Everything – And Do It All the Timeĭocument early and document often. Whether or not you notice any immediate damage, it will be important for your future insurance claim to mitigate any potential problems by placing tarps over the roof and checking for water damage, mold, or other issues that may cause further damage before your insurance claim can get paid out and your roof can be restored or repaired. Note that wind can blow off shingles or other coverings, causing leaks or damage to the underlying membranes, while the weight or pressure from hail damage (especially hailstones that are large or irregularly shared) can cause small imperfections that get larger and more problematic over time.Īnd of course, a major event like a hurricane or tornado can require the replacement of the roof completely.Īlso, be sure to check your insurance policy or speak to your public adjuster, since there are some that have requirements regarding how long you can wait after a major storm or disaster and still have your roof repairs or restorations covered under the policy.Īccordingly, you should have your roof inspected as soon it is safe after a major storm, natural disaster, or similar incident that could result in damage.
What Type of Roof Damage Should You Look For? If you notice visible damage, leaks, or other problems, be sure to call your contractor to inspect your roof – or ask around for a reputable contractor if you don’t already have one on speed dial.Įven if your roof looks perfectly fine from the outside and there are seemingly no leaks, it’s important to get it inspected if you’ve experienced a major weather event or similar occurrence that could cause damage to your roof – there are issues only an experienced roofing specialist could uncover. Immediately after a natural disaster, major storm or hail damage, you should be assessing the condition of your roof right away (after you make sure everyone is safe and the property is safe to enter, of course).
How Start Your Claim? Look for Damage Right Away Dealing with roof damage and the general aftermath of a major storm, hurricane, or other natural disaster can be one of the most stressful times in your life.Īfter all, you have to not only make sure your property is safe for people to enter, you have to navigate the entire complicated roofing insurance claim process that involves insurance adjusters, contractors with expertise in the specific type of roofing system that you had, and in many cases your own insurance and mortgage companies.Įxperiencing significant damage to your roof is undoubtedly a stressful time, between navigating the insurance claim process, follow-ups with public adjusters who specialize in the types of roofing claims you are dealing with, and even the loss of business that may result from not being to fully use your property.īut there is help in the form of public adjusters and it can all be easier than you think.
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