Simplifying the Roof Insurance Process

At The Metal Roofers, we know that filing an insurance claim for roof damage can be overwhelming. Unfortunately, the process can also bring out unethical practices in the roofing industry, making it essential to know what to expect and what to avoid. Here’s what you need to know to ensure your roof repair or replacement goes smoothly, especially after storm damage.

Start with a Detailed Roof Inspection from a Trusted Contractor

Before contacting your insurance company, schedule a thorough inspection with a reliable roofing contractor to assess any storm or impact damage. A comprehensive report from a reputable company provides clear evidence of damage, which can be helpful during the claims process. Having clear documentation upfront sets the tone for a fair assessment with your insurance adjuster.

Keep All Documentation Organized from the Beginning

Keeping a detailed record of every interaction, estimate, and inspection is crucial. Document the initial damage with photos and videos, and save all written communication from your roofing contractor and insurance adjuster. This paperwork can support your claim and expedite any follow-up steps, especially if you encounter issues during approval.

Know the Key Differences Between Repair Coverage and Full Replacement Coverage

Insurance coverage can vary significantly. While some policies only cover specific repairs, others may offer a full roof replacement if damage is extensive. Understanding your policy’s provisions early on will help set realistic expectations about the support you’ll receive. Contact your provider directly to review these details, so there are no surprises.

Protect Your Roof from Further Damage After a Storm

After roof damage, taking quick steps to protect your property can prevent secondary issues that may complicate your claim. Cover exposed areas with a tarp or temporary materials to reduce the risk of water damage. Insurance companies often expect these protective measures and may factor in additional damage if it’s preventable. The Metal Roofers provide temporary solutions and repairs to keep your property protected until your claim is processed.

Seek a Roofing Contractor Experienced in Insurance Claims

Not all roofing companies are experienced in insurance work. Look for contractors with a track record of handling claims effectively, as they can help you navigate the requirements and expectations of insurance providers. An experienced contractor knows the ins and outs of claim processes and how to communicate effectively with adjusters, helping reduce delays and confusion.

Review Any Estimates Thoroughly and Understand Potential Add-Ons

Once your insurance company provides an estimate, go over it with your roofing contractor to ensure it covers all necessary repairs. Often, additional items—such as waste removal fees, updated local codes, or specific materials—may not be included in the initial assessment. A contractor familiar with the local building requirements in Nashville can help advocate for necessary add-ons, ensuring your roof meets all standards.

Roof Inspection

First, we’ll come take a look at your roof. Roof inspections are completed by qualified roofing team members who know exactly what to look for when it comes to damaged roofs. We’ll take pictures and document damage to help you build a case for your insurance claim.

Schedule a Visit with an Insurance Adjuster

An adjuster from your insurance company will come out and inspect your roof to determine the scope of work and what will be covered by your policy. Afterwards, we can meet with you to help clarify any questions you may have and discuss next steps for moving your roof replacement forward.

Insurance Repair Estimate

The insurance company will approve the work required as long as it’s covered under the policy, and issue a repair estimate as well as the funds needed to cover the repairs.

Roof Renovation or Replacement

After working with you and your insurance provider to ensure everyone is in alignment with the scope of work, we will acquire the materials and start installing your new roof. The duration of the project depends on several factors, including the roofing materials we install, whether or not you have an old roof that we need to remove, the type of roof decking, and the size of your home. Installing materials such as natural slate or concrete tile can take as long as nine days. However, we can complete a flat roofing or asphalt shingle installation within a day or two.

Inspections & Certificate of Completion

Depending on where you live, you may require a city inspection to ensure proper installation and that all code requirements were met. Once all final inspections are performed, we’ll issue a certificate of completion.

Payments & Mortgage Company Inspection

After the work is completed, we’ll notify your insurance company. The insurance company typically makes out your settlement check to you and the mortgage lender. In some cases, the mortgage company may perform their own inspection after the project is completed.

OurInsuranceProcess