Should i call insurance or roofer first

Your roof has to go through a lot and unpredictable and notorious weather is something inevitable. This is particularly true if you live in an area where storms are common, due to which your roof is likely to have a short life span. That is why maintaining your roof is not only important to improve the curb appeal of your house, but also to avoid several other issues like leakage and moss. 

That is to say, as a home owner, your first goal should be to protect your property by maintaining its value and appearance. Whether it is rain that has caused damage to your roof or it has started leaking due to a storm, many property owners call insurance companies. Although calling insurance company is natural after this, unfortunately, it is not the right solution to this problem.

To put it simply, it is not the insurance company that can quickly fix your damaged roof, but a roofer.  Before you call your insurance company, you should call a roofer who will not only assess the roof damages, but can directly deal with insurance companies as well.

Why calling a Roofer Before an Insurance Company Is Beneficial?

You might have heard it first time but calling a roofer before insurance company to assess the damages is really beneficial. Most roofing companies are in sync with insurance companies and frequently work with them. They can help you in understanding the insurance estimation processes. Plus, it ensures that no insurance company takes advantage of your lack of knowledge.

Help You Deal with Insurance Companies

Filling claims via insurance is undeniably a painful and tedious process and may take a lot of time.  Contacting your roofer is the right way to avoid all these matters. It is one of the best ways to establish your ally to help you successfully negotiate with your insurance company. Reputable roofing companies can deal with everything from paperwork to estimating the right insurance amount.

Roofers are Experts

Always remember that insurance adjusters are just company employees and do not have expertise to assess your roof damage. A roofer, on the other hand, is an expert who can assess damage and guarantee an accurate and thorough inspection of your roof damage.

Moreover, a roofer does not only look for minor damages on the surface, but he assesses your roof for big damages like underlying water leakage problems as well. Insurance adjusters often overlook these serious attic damages that may deteriorate your roof’s condition.

Once a roofing expert inspects the condition of your roof, roofing company sends a claim with an accurate appraisal to the insurance company.

Saves Your Time

Claiming insurance is not only confusing, but a time-consuming process and may leave you frustrated. By calling a roofer before your insurance company, you can conveniently avoid this fiasco as they will settle down everything and save you whole lot of time.

Bottom Line

Overall, calling an insurance company after a roofer inspects the damages is the right way to fix your roof damages, adjust insurance claims and repair deep water issues and leakage.

Sources

https://www.ableroof.com/blog/call-roofer-insurance-company

https://www.celticroofing.co/why-you-should-call-a-roofer-before-your-insurance-company/

http://www.coryellroofing.com/hold-phone-5-reasons-get-roof-inspection-calling-insurance-company/

Hello,

Based on a) the golf-ball sized hail that just pummeled my neighborhood for the last fifteen minutes, and b) the battered shards of wood shakes scattered around my yard, I'm guessing I have some degree of damage to my roof.What's the typical order of operations here? Should I get a professional roofer to check it out and assess the damage first, then submit a claim for the amount of the repair (or replacement...*)? Or do I call the insurer first? My concern would be the insurer doing their own assessment and handing me a check, then finding out later that the repair costs more than what they gave me. I think that answers my own question, but I've not done this before and would appreciate any previous experience.

Please help

I didn't find the right solution from the internet.

Thanks

According to me you should call for an insurance company, as if the roof is resting to replace fully then it must be require high cost that can get covered by an Insurance company. The insurance company will fill up the damage caused by flood or wind, if you have already had an agreement with them for fire/flood/water damage Glendale. If an insurance agency is denying the fact then you can even contact to public adjusters like Alliance public adjusters.

Hire a public adjuster, his fee will be more than absorbed in the additional coverage he finds for you. I am a licensed PA, although I only do commercial roof claims in Texas and Kansas.

The claim game is set up to screw the insured by default. Here is just one example. Adjusters use Xactimate software which is set up to short change the insured. Hypothetical 30 SQR roof, Xactimate pays a DMO (demolition trade labor rate) to tear off the roof of $1020. As we know, roofers will tear off the roof, not a demolitoon crew, thus the adjuster needs to be forced to pay a RFG rate which will pay $4078. That is just 1 line item! That 1 item alone adds 3 times the PA's fee.

Natty is right, it is a racket. The insurance industry has rigged the game to make it illegal for a roofer to discuss the most important aspects of a claim with an adjuster. Only a PA, attorney, or engineer can dig deep into areas of policy to get you paid what you're owed.

So why would a roofer use a PA and pay 10% off the top of the settlement? Because he will often turn a $50,000 settlement into a $250,000 settlement. More than once the adjuster offered zero, and I got them to over $500,000.

First of all, roofing, hail, and insurance is all a racket.  I empathize with any first time homeowner who has to go through this experience.  Golf ball hail isn't that bad.  That is, it is usually not catastrophic where roofs get covered with tarps to prevent further damage.

It is this marginal hail damage that causes all the problems with incompetent people chasing their tails and storms.  If you are worried about getting insurance to pay for any and all the damages, don't because there is an army of folks you can hire to put the screws to your insurance.  The biggest problem is going to be finding competent people to do the work.  If you know a roofer, pay him to inspect the damages.  Always hire a local guy and don't try to game him.  Whatever he charges to do the roof, the insurance will pay.  You just have to pay the deductible.  My experience has been that insurance adjusters are pretty lenient.  What out for roofers who sub out the work or hire a bunch of day laborers to do the work.  There is just too much easy and fast money.  If they carry liability insurance, get a copy of their policy.  An insurance salesman once told me that even though the roofer did crap work, they are covered.  Since the statute of limitations is ten years for latent defects, I suppose you can sue them if your roof starts falling off.  And I have seen that happen.

clvr83

If you have a local trusted roofer, call him to get on his list at 7am. He is going to be smokin busy soon and you don't want to be left going with somebody you might regret.

Whatever the insurance decides on their initial inspection is never final. Some roofers wait to get the adjusters bid first before writing their estimate, so don't be surprised to hear that. Look over your siding very well, but your adjuster should do all that. You likely have to get a lot of new window screens, garage door aluminum wraps, maybe even garage doors, etc..

What is your addre****Whoops.  I don't chase storms.

How long do most roofers guarantee their work?

How do I find a reliable roofer in my area?

Does my roofer need insurance UK?