The roof is a protective layer, insulating the home and safeguarding it from external factors. Although quite sturdy, it takes a beating on a regular basis. Rain, snow, wind and hail threaten to weaken it, opening holes that could permit moisture penetration. Should this happen, the house is in danger of having several serious concerns. Structural issues may arise, mold and mildew may grow and cave-ins could become a possibility. For this reason, it’s best to seek repairs as soon as a concern arises. If inclement weather is the cause of the harm, homeowners may be able to seek compensation from insurance. To use this measure, residents should do the following five things.
1. Have an Immediate Inspection
Once a major system blows through, have a company that specializes in storm damage roof repair Denver CO complete an assessment. Quick response not only mitigates complications but shows an interest in caring for the property. The insurer should receive copies of the overview along with an explanation for how the weather harmed the property. Use this to open a claim, seeking monetary assistance.
2. Minimize Damage
Many owners want to wait on some decisions until the agency responds. This could prove difficult. Leaks should be patched to protect the place from excess moisture exposure. While the larger replacements may be on hold, mitigate the cost and impact by taking protective steps.
3. Submit Pictures
Have the experts or yourself photograph missing shingles, dents or water exposure. In fact, snap images of anything ruined or saturated. It’s best to timestamp these. If you have prior pictures, showing the original condition, this comparison may prove useful.
4. List Out Anything Tossed
Policies often have two parts: property repairs and personal loss. These are considered separate reimbursements. While the roofers focus on the home’s needs, you can create an itemized list of any valuables that are beyond repair. Note the name of the object, how much it cost at the original purchase and how much you would need to replace the piece for future use.
5. Prepare for the Adjuster
The insurance company has an adjuster to perform an additional examination. This specialist’s report is compared to your company’s information. Be present when he or she arrives. Expect to answer any questions, and be forthright about why you think this happened from a storm.
Working with insurance takes patience and organization. Help could be available. Just be ready to submit the appropriate documentation to verify your request.