important tips to make your claim
If you’ve lived in Colorado for a while you may have had to file an insurance claim for your roof. If you’re new to Colorado, be prepared. Its’ not a matter of if you’ll need to file a claim, it’s when. You should have your roof inspected by a professional roofer before filing a storm damage claim with your insurance company.
It is also important to do it in a timely manner for a couple of reasons. You’ll want confirm that you do in fact have sufficient damage to warrant filing a claim. Some roofing materials are more resistant to hail than others. You’ll also want to repair any damage to your home or property before it has a chance to get worse.
We have worked with dozens of insurance carriers and we understand the claims process.
We will work with you and with your insurance on your behalf to help you get a fair settlement. Here are some important things to do to prepare for the claim process after a storm:
- Review your policy. Every insurance policy and claim is different. Reviewing your policy gives you information that specifically applies to you.
- Document everything. Take lots of pictures immediately after to document any damage. Don’t cleaning up until you’ve documented as much damage as possible.
- Get quotes from professionals. If you can, get estimates from a few roofers. You’ll only be responsible to pay your deductible and upgrades. It is Illegal in Colorado for any contractor to pay, waive, discount, or refund any portion of a homeowner’s insurance deductible. Be wary of any contractor who offers to do so.
- Be wary of scammers. Unfortunately, big storms brings scammers and unlicensed or out of state roofers to your area with promises of quick and cheap repairs. What kind of warranty or what kind of service do you think you’ll get if they are based in another state? Whether you’re filing an insurance claim or not, research anyone who offers to repair your home. Only hire local roofing companies that are licensed and in good standing with the Pikes Peak Regional Building Department.
- Mitigate your damages. You’ll want to take steps to prevent further home or property damage. This is another reason why you should call a roofer right after a storm. Your home may require repairs that could include tarping your roof, cleaning a wet basement, boarding up holes and more.