Tips on Navigating a Roof Insurance Claim

Has a nasty snowstorm, thunderstorm, or windstorm wreaked havoc on your home's roof? You may have broken shingles, bad leaks, or an entire blow-off.

Getting your insurance company to cover the claim may seem like an impossible feat.

Luckily, you don't have to do it alone. Our Iowa City roofing company will help you navigate your claim and receive optimal coverage.

Read on for a step-by-step guide on managing your claim.

Step 1: Determine That Your Roof Has Sustained Damage

Go outside and evaluate your roof's condition thoroughly. For your insurance company to cover the damage, it must have occurred due to some “act of God” — think hail, rain, and wind.

If you notice damage, large or small, contact your insurance company immediately.

Don't wait too long after the damage occurs to seek help. Otherwise, your insurance company can deny financial support. You'll have to pay the replacement costs yourself, and they're not cheap.

The cost of a new roof or Iowa City roof repair will vary, depending on the material and your home's size. It can be anything from a few hundred to a few thousand dollars.

File your claim sooner rather than later to avoid footing this bill by yourself.

Step 2: Look for a Licensed Iowa City Roofing Contractor

When looking for Iowa City roof repair services, you don't need to shop for the cheapest ones out there. Your Iowa City roofing contractor should be able to:

1. Commit to replacing your roof for the cost of your deductible

2. Prove they have experience with performing insurance claim work in the past

The first criterion is critical. Don't recruit a contractor that promises to pay your deductible or lower it. This act constitutes fraud — you will get ripped off and likely encounter legal trouble. 

Step 3: File Your Claim & Obtain the Adjuster's Estimate

At this point, you may open up your claim with your insurance company. Request an adjuster to come out and formulate an estimate for your roof repairs. Your Iowa City roofing contractor should negotiate on your behalf.

Understand that the adjuster's estimates for the necessary work will be incredibly low at first. An experienced, qualified Iowa City roofing company will commit to getting you the most coverage possible.

The negotiation process may take some time, so be patient. Have your Iowa City roofing contractor be present at every meeting to speed up the process.

Step 4: Finalize & Sign Your Contract with Your Iowa City Roofing Contractor

Once your Iowa City roofing contractor gets a fair number from the adjuster, you're near the end of the insurance claim process.

Get together with your contractor and define the final extent of the work. Understand the repairs your insurance company will cover and which ones they won't. Sign your name on your contractor's dotted line, and work can commence.

Call Our Iowa City Roofing Company for Assistance!

Even though the insurance claim process for Iowa City roof repairs is pretty straightforward, you shouldn't have to tackle it alone. Contact our company today for assistance! We'll walk you through the process, negotiate on your behalf, and perform quality work once we help you obtain adequate coverage.

Learn more about Types of Roofs in Iowa