If you’ve had to file a home insurance claim, you know how confusing and frustrating it can be when you hire a roofing contractor. Not only do you have to fill out an insurance claim form, but then you have to wait until the inspector gives his report. When this all happens, you’re not likely to have any peace of mind.
Your first step should be to call your mortgage company and ask what kind of claim number they have on file for your particular home. The mortgage company will probably give you a contact person that can help you through the entire process. They will either refer you to a roofing contractor or the roofing contractor themselves. Usually they don’t have a lot of information about filing an insurance claim. So you’ll want to make sure you have all the information up front before you even talk to the contractor.
Another possible source for getting information is your insurance agent. Most people don’t realize that if their roofing contractor or the roofing contractor is not insured they cannot make any repairs. So your insurance agent is going to be your first source of information.
Hopefully your insurance agent can give you some good advice on how to file your claim, and who pays what in the event of a loss. They can also give you some inside tips on what to do before and after an insurance claim has been filed. These tips can often save you time and money during the process.
Your next step might be to call your roofing contractor directly to see if they’ll consider having them come and inspect your home before the insurance claim has been filed. This can save you a lot of hassle and a lot of money. Because many roofing contractors won’t accept liability if their work is not up to code, they may be willing to come out and take a look at your roof and make any necessary repairs.
Whatever your decision, always research your roofing contractor thoroughly before you let them loose on your home. Find out how long they’ve been in business. Find out about any complaints that have been filed with your state’s department of insurance. Ask for a sample of their work to be fixed so you can really see what they’re made of. Make sure they are insured and that your state has insurance requirements in place. Remember, being smart before hiring a roofing contractor is the best way to make sure your home is in as good shape after the repair as it was before.