How Roofing Insurance Claims Work
In Oklahoma, the weather can be unpredictable, with severe storms, hail, and high winds frequently causing roof damage. If you’ve experienced roofing issues from Oklahoma’s harsh weather, knowing how roofing insurance claims work can save you time and stress. From filing your claim after a storm to working with adjusters, we will walk you through the process to help you get the repairs you need. Let’s explore how to navigate the roofing insurance claim process in Oklahoma more effectively!
Filing a Roofing Insurance Claim in Oklahoma
If your roof has been damaged by Oklahoma’s severe weather, it’s crucial to act fast. Start by documenting the damage with photos or videos and make a list of the affected areas. Contact your insurance company as soon as possible to report the damage and start the claim process. Be ready to provide details about the storm and how it impacted your roof. The insurance company will then schedule an adjuster’s inspection to assess the damage.
Steps for Filing a Roofing Insurance Claim in Oklahoma
If your roof has been damaged by Oklahoma’s severe weather, follow these steps to file a claim:
- File a Claim: Contact your insurance company right away, either online or by phone, especially after a storm.
- Schedule an Inspection: The insurance company will send an adjuster to assess the damage. We do recommend having a roofing specialist who has already assessed the roof there or having the inspection estimate with you at the time of the insurance adjuster as this often shows the insurance that has a professional who has already assessed the roof as well. At McCanns we offer a free on-site inspection you can call here to book your appointment.
- Get an Estimate: The adjuster will provide a repair estimate, including your deductible and coverage.
- Hire a Contractor: McCanns Roofing and Construction has over 20 years of serving Oklahoma Roofing marketing with happy customers – call us if you want the job done right! We stand behind our work.
- Get the Roof Fixed: Keep your insurer updated as the work progresses.
- Receive Payment: Payment is usually made after the repairs are complete.
Pro Tips:
- Consider filing if the repair cost is more than double your deductible.
- Have a contractor, from McCann’s Roofing and Construction (shameless plug), present during the inspection.
- Always be familiar with your policy’s coverage details.
Most Common Questions When Filing a Roofing Insurance Claim in Oklahoma
- Is storm damage covered by my insurance?
Most homeowners’ policies cover storm-related damage, which could be high winds, hail, or tornados, but always check your coverage details. - Can I file a claim if I’m selling my home?
Yes, but the process should start quickly, as a damaged roof might delay or impact the sale. However, this one could be a bit more complicated. Normally, after a weather-related issue such as a big storm, the damage can be tied directly back to the big storm. In cases where someone is selling a home and the potential buyer after seeing the inspection requests a new roof because it is an old roof and in need of replacing this has a higher likelihood of not being something covered, or fully covered by homeowners insurance. - What if the insurance company’s estimate is too low?
You can request a re-inspection, and having a roofing contractor present can help. They may also require multiple bids from roofing companies to ensure the homeowner is not choosing a contractor whose prices are not within the going rates for that area. - Does the age of the roof affect coverage?
Yes, older roofs might get reduced payouts or be excluded from coverage. Again this is why having a roofing professional on-site to help you when insurance adjusters are present is a huge benefit to you as the homeowner because this is our area of expertise and we know how to help!
McCann Roofing and Construction in Edmond, OK Can Help When Filing Insurance Claims
Dealing with roofing insurance claims can be overwhelming, but you don’t have to navigate it alone. With over 20 years of experience, McCann’s Roofing and Construction in Edmond, OK, is here to guide you through every step of the process. Whether it’s assessing damage, working with adjusters, or ensuring your claim is handled correctly, we’re ready to help.
Don’t leave your roof’s safety to chance—call McCann’s today for a free roofing inspection and consultation and let us take the stress out of your insurance claim!