Roof Damage Insurance Claims in the Twin Cities

Familiarizing yourself with the steps of filing a claim can make the process much easier. Further, it can help you avoid any potentially costly pitfalls or errors. To that end, we have written out a quick and simple guide outlining the steps you will need to take to improve your odds of recovering compensation.

Assess Damage 

Getting a good look at the damage your roof has sustained is not a bad idea; however, you should not compromise your safety in an attempt to make a complete evaluation. If any issues are visible to you from a safe place, take photographs or record a video showing as much as you can. Taking notes is also good, as you cannot always capture every concern on camera. For example, if your roof is making a concerning noise during heavy winds, be sure to make note of this. 

You will likely not be able to fully assess the damage on your own. That's where we come in. We can get on your roof safely and quickly to document the damage in detail. We know what kind of evidence insurers need, and we meticulously document the damage to your roof to support your claim. 

Contact Your Insurer

Once you have assessed your situation and have some evidence of damage, you must contact your insurer as soon as possible. 

Acting quickly helps you in a couple of ways. For one, it will allow you to schedule repairs before any damage spreads. Further, waiting to submit a claim can give your insurer reason to doubt its legitimacy. The claim process can take some time, so it benefits you to begin sooner rather than later.

The Insurance Assessment

Once you have contacted the insurer, they will send someone to your home to assess your situation. Once they have observed the damage and examined your policy, they will make you an offer or provide a ballpark figure as to what you can expect. 

We work with claims regularly and can spot a low offer from a mile away. If you suspect that a representative is offering you a low figure or simply believe you are entitled to more, we can send someone out to provide a second opinion. 

Filing Documentation

This is the paperwork step. 

Your insurer will send you some forms to complete. Here, you must list the repairs you need, how much they will cost, and information regarding the person or business that provided the repairs. If we are your chosen company, we can help you complete this paperwork to avoid any errors or miscommunication.

Wait for an Outcome

Once you have filled out and returned the paperwork, all that is left is the wait. 

Your insurance company will get back to you, likely within a month. If you do not hear back soon, you should contact your agent and inquire about any delays. You can also request an estimate regarding how long it will take to get a verdict; however, this is not always possible. 

Tips for Filing an Insurance Claim

In addition to understanding the process, consider these tips to prepare yourself best:

• Read your policy carefully to understand what is and is not covered. This will help you avoid any negative surprises or hiccups when seeking compensation.
• If you have any questions about your claim, don't hesitate to contact our team. We are here to help. Our extensive experience gives us valuable insight into the claims process, and we are prepared to offer any information or guidance you need.
• Do not forget about the deductible! Often, people will forget that they need to pay an initial fee before their benefits fully kick in. Be sure to keep this figure in mind, as it may affect how you approach repairing your roof.
• If you are not satisfied with the outcome of your claim, you may be able to appeal the decision. Making an appeal could lead to a larger settlement; however, this is highly complex. If you are interested in appealing, reach out to our team, and we can point you in the right direction. 

For information about filing a claim or to schedule a free consultation, call us at (651) 236-9227 or contact us online.