Working With Your Insurance Company When Your Roof Is Damaged
Middle Georgia Roofing will work with you and your insurance company to get your roof repaired or replaced.
If your roof is damaged in a winter storm, hailstorm, hurricane, tornado, by falling branches or debris, or other incident, your homeowners insurance policy may cover the cost of repair or replacement.
Below are some tips on filing an insurance claim that can help to speed the process and get your roof restored quickly.
The final determination of the value of the claim will be made by your insurance company, based on the report from the insurance adjustor. Depending on the age of your roof, the amount paid may be less than the full cost of repair or replacement (due to depreciation). This figure can sometimes be negotiated. We will help by providing a detailed damage report and a detailed repair estimate.
- Call Middle Georgia Roofing at (478) 960-8706 to inspect the roof and document damage, including a written description and digital photographs
- We will provide a written estimate for repair or replacement of the roof
- Call your insurance company and notify them of the damage
- Have the following information ready when you call to file the claim:
- Location of the home
- Policyholder name
- Date of the storm or incident
- Time of the incident
- Cause of the damage (wind, hail, trees, etc.)
- Detailed description of the damage
- Age of the roof
- Obtain a claim number from your insurance company
- The insurance company will assign an adjustor to your claim
- Tell the insurance company that you want your roofing contractor present when the adjustor arrives to inspect the damage
- Get the adjustor’s name and cell phone number to speed the process
- The adjustor will call to schedule a time to visit your home and inspect the roof
- Call us and let us know when your adjuster is scheduled to inspect your roof
FAQ Source: National Storm Damage Center
Can I get multiple bids or inspections?
Absolutely. It is always smart to get three estimates from reputable contractors with experience working with insurance claims and repairing storm damage.
How much will it cost to get the damage fixed?
The cost to restore your property can vary greatly, depending on what damage has been done, the cost of materials and the cost of installation. Always choose a reputable contractor that is committed to quality workmanship.
Will my insurance premiums go up if I file a storm damage claim?
Typically, insurance companies cannot single out a homeowner for a rate increase based on an "Act of God" storm damage claim. However, your insurance company can raise rates for everyone in your area.
How long can I file an insurance claim after the storm hits?
The time you have to file an insurance claim varies by insurance company, but most insurance policies limit your time to file a claim, within 12-24 months of the storm. Contact your insurance company to see how long you have to file a claim.
How can I tell if I have hail damage?
Homeowners with hail damage may notice small dents on rain gutters or air conditioning units, missing or bent shingles, washout (granules accumulating in gutters or downspouts), moist areas on your ceiling indicating leaks, cracks or dents in windows or siding.
How much damage does my roof need to require a full replacement?
Typically, if your roof has 10-16 verified hits per 100 square feet, your insurance company will declare your roof a total loss, and replace your roof.