Who to Call First: Roofers or Insurance Companies?
When you find out your roof has been damaged, you might be unsure who to call first. Your insurance company? A roofing company? Knowing who you should contact first can be difficult, and the answer to this question is not always clear. So what do you need to know before calling? Read on to learn more about the difference between insurance and roofing companies, what they do, and how they work together. Of course, you must understand your insurance policy so you can identify which company is the correct one to call!
Insurance companies and roofing companies are two completely different professions. That's because insurance companies work with your property, while roofers work with the actual roof of your home.
Insurance companies protect your property in the event of a natural disaster. Roofers specialize in repairing or replacing roofs after storms or other natural disasters. One of their primary duties is to inspect the damage before deciding what needs to be done. The roofing contractor will then provide a quote for how much it will cost to perform the roof repairs. An expert roofing contractor will give you a fair and objective roof inspection. An insurance adjuster has the insurance company's interests in mind, but the roofing contractor has yours in mind. The roofing contractor can be there when you meet with the insurance adjuster. Any questions can be directed to the roofing contractor, who can answer them correctly. The roofing contractor can confirm that the storm caused the roof damage and was not pre-existing.
There are two reasons you may need to call your insurance company for help. The first reason is to see if your policy will cover the cost of the damage. The second reason is that your deductible may be too high for the damage to be worth the cost of replacement. For example, if you have a $2500 deductible and your roof repair costs $5000, you would only save about $2500 using your insurance company's services. In contrast, if you have a $500 deductible and your roof repair costs $5000, you would save about $4500 using an insurance company's service. It's essential to know which type of roof damage you have so that you can determine when to call a roofer and when to call your insurance company.
Calling a roofing contractor first to schedule an inspection to assess the damage is usually a wise choice. A roofing contractor can give you an accurate, objective assessment, complete with a full report before the insurance adjuster arrives on the scene. A good roofing contractor can work directly with your insurance provider and help you with the entire process. United Roofing & Exteriors can help you with the claim process and the roof repairs. You should always call a roofer when you notice a leak in your roof, a severe storm damages your roof, or if you have a persistent leak in your house. Calling your insurance company in these cases can result in a denial of your claim. Calling a roofer in these cases will result in a quicker, easier, and more cost-effective solution.
Insurance companies will contact the roofing company after the deductible is met. Some companies may offer you some compensation upfront, but it's important to note that if they do, this will be deducted from what they pay on the back-end. It's also worth noting that some insurers may contact a roofer on their own before reaching out to you. Familiarizing yourself with your insurance policy can help you determine who to contact first.
The benefit of calling a roofing company first to assess the damage is accuracy. Insurance adjusters can often miss more serious roof damages. Expert roofing contractors will find and correctly assess all roof damage. Often, insurance companies don't properly assess the damage, and your roof can begin to deteriorate. This will lead to more future insurance claims. Roofing companies will also provide you with a complete assessment of your roofing needs.
Knowing the difference between when to call a roof for damage and when to call your insurance company can be tricky. If you are unaware of what kind of damage your insurance plan covers, you should contact your insurance company first. You can get information about what your company covers and how much you might be able to claim. But if you need urgent help from a roofer, you can also contact a roofing company directly. A roofing contractor will come out and assess the damage and let you know what kind of repairs are needed—and whether or not they can take care of it. At United Roofing & exteriors, we have many years of experience working with homeowners and insurance companies. Our expert roofers will help make the process as easy as possible for you! Contact us today for all your roofing needs!