The roof over your head is an important part of your home, but it’s also prone to damage far easier than most people would like. Replacing or repairing a roof can get expensive, and when you’re dealing with picking up the pieces from a potentially serious disaster, few people have the money available to completely pay for the repairs their roof might need. That’s okay—this is why you buy homeowner’s insurance. This insurance offers protection and financial security for your roof, and will usually cover the cost of repairing or replacing your roof if the incident that caused the damage is covered under the terms of your policy.
However, working with both a roofer and an insurance company at the same time isn’t always as straightforward or simple. In this blog, we’ll offer you a few helpful tips you should keep in mind when navigating your insurance claim in order to ensure your roof replacement is smooth, fast, and stress-free.
Your Roofer Is Not Your Insurance Company’s Customer
This is something we cannot possibly overstate enough: we are not your insurance company’s customer—you are. You are their only motivation; we are just a service provider you’ve selected that they’re helping pay for. Therefore, insurance companies are not always the easiest to work with. While we do everything, we can to provide you with what you need and give your insurance company the info they’re requesting, don’t be surprised if adjusters come back with lower estimates or different information based on their findings.
Your Insurance Company Is in Business to Make Money
While insurance companies love to advertise that they’re always there for their customers and you’re in good hands when you’re insured through them, the truth is that insurance companies are all businesses and they’re all in business to make money. Insurance companies make money by collecting on insurance dues and then paying out as little as possible when someone tries to collect on their policy. For this reason, companies will always do their due diligence and try to reduce the cost of your claim as much as possible. In some cases, this could mean you not getting everything you should out of your claim.
This isn’t a good thing when it comes to your roof. For example, if your insurance company is only willing to cover the cost of a mediocre-quality roofing material as opposed to a premium-quality one, your new roof won’t offer you the same protection that your old one might have. To your insurance company and to your adjuster (neither of whom are professional roofers), the outcome might be all the same for a lower cost, but to you, the consequences could be costly in the long-term. Keep this in mind throughout your claim: your insurance company is going to look for ways to bring costs down, so make sure their cost savings aren’t going to be at your expense.
Your Roofer Is on Your Side—Use Them as a Resource
This last point highlights the importance of having a dependable, professional roofer who does work for you. At Family Roofing, we make it a point to help every customer get the new roof they deserve, and we’re willing to work with all insurance companies in order to make that happen. After your insurance adjuster goes through your roof and provides their report, we can go through it with you as well and point out anything that your adjuster may have missed or excluded so you can make sure to bring it up to them. Our goal is to get you the high-quality roof you need, so we encourage all insurance customers to work with our team and use us as a valuable resource for keeping your roofing project on track.
In need of a new roof? Going through an insurance claim? Trust the pros from Family Roofing and we’ll make sure your home gets the finest replacement roof available! Call (864) 261-0841 today to request an inspection or get started with your reroofing project.