Man taking photos of tree damage to his roof for failing an insurane claim

How To Make A Home Insurance Claim For Roof Damage In St. Louis

Learning how to file an insurance claim for roof damage can seem complicated. This guide make the process easier and ensures homeowners in STL get the coverage they need to repair their roof.

residential home with roof damage from tree

Roof damage can come from many sources like hail, wind, water leaks, aging, or falling tree branches, and each scenario will be treated differently by your insurance company. Case in point – if your roof has acorn damage that looks like hail hits, the adjuster will see the oak trees near by and try to deny your claim.

Knowing when and how to engage with professional assessors and repair services can influence the outcome of your claim. What you know and who you hire can make all the difference.

8 Steps to The roof claims process: A Homeowners Guide For Saint Louis, MO

Key Takeaways

  • Know what documented storm caused the damage.
  • Properly assessing and documenting roof damage.
  • Understand your homeowners insurance policy before calling insurance.
  • Work with your roofing contractor to negotiate with the insurance adjuster.

Understanding Your Policy and Coverage In Missouri

Before filing a claim, it’s important to know what your homeowners insurance covers. Homeowners in Missouri have access to a free online tool created by the state’s Department of Commerce and Insurance that allows you see a breif summary of coverage by the major insurance companies in our state.

Now that ai is avaliable to everyone, you could also get a free gpt account, upload your policy and ask the chat bot questions.

Step 1: Review Your Homeowners Insurance Policy

To start, we must thoroughly review our homeowners insurance policy. Replacement cost policies offer funds to replace your roof with one of similar kind and quality without deducting for depreciation, while actual cash value accounts for depreciation and pays less for older roofs.

  • Deductible: The amount we pay out-of-pocket before insurance kicks in.
  • Premiums: Regular payments to maintain our insurance policy.
  • Dwelling Coverage: Protects the structure of our home, including the roof.
  • Replacement Cost: The cost to replace our damaged roof without depreciation.
  • Actual Cash Value: The replacement cost minus depreciation.

Step 2: Identify Covered Perils and Exclusions

Next, we need to identify which perils our policy covers and the exclusions. Typically, insurance policies protect against specific perils like fire, hail, wind, or lightning damage. However, damages resulting from wear and tear or neglect may not be covered. By understanding these details, we can determine the likelihood of our claim being accepted.

TermDefinition
Covered PerilsEvents your policy protects against
ExclusionsDamage not covered, like wear and tear

It’s also important to understand that submitting a claim can potentially increase our future insurance premiums. Therefore, if the repair costs are close to our deductible, we might opt to pay out-of-pocket to prevent premium hikes.

Step 3: Document the Damage

Before initiating a roof claim with your insurance company, it’s crucial to accurately assess and document the extent of the damage. Doing so will provide a clear baseline for your claim and help ensure you’re adequately covered for repairs.

Using a camera or smartphone, we take clear photos from multiple angles to capture the extent of the damage. The documentation should be detailed—take note of the date and time of the incident and any specific damages to different areas of the roof.

Assessing the Roof Damage

When a storm, be it hail or a hurricane, passes through, the first thing we need to do is thoroughly inspect our roof for any signs of damage. This includes missing shingles, dents, or leaks that could have resulted from windstorms, lightning, or falling objects.

Step 4: Temporary Repairs to Mitigate Further Loss

If the damage is significant, we must take immediate action to prevent further loss. This may include making temporary repairs such as covering holes with tarpaulins or sealing leaks.

It’s important to keep receipts and records of any materials purchased for these repairs, as they may be reimbursable under your insurance policy.

Step 5: Schedule An Inspection

Contact a local roofing company first so they can become your advocate to the insurance company. They will help you promptly to start the claims process:

When we face roof damage, it’s important that we take the right steps to file an insurance claim. This ensures we receive the appropriate coverage for repairs.

  1. Get the contractors’ assessment and itemized estimate.
  2. Review your policy to understand what’s covered and your deductible.
  3. Call Your Insurance and have your policy number and damage details ready.
  4. Request a claim number and document all communication.
  5. Schedule a time for the insurance adjuster to inspect the damage.
  6. Provide the adjuster with photos and videos of the damage.
  7. Wait for claim approval and payment (minus your deductible), then let the contractor start work.

Step 6: Schedule An Adjuster Inspection

Schedule a time for the insurance adjuster to inspect the damage. Provide the adjuster with photos and videos of the damage. The roofing contractor should also provide their assessment and itemized estimate to the adjuster.

Step 7: Wait For Claim Approval And Payment

Wait for claim approval and payment (minus your deductible). Once approved, let the roofing contractor start the repair work. Keep detailed receipts for all expenses as they will be the basis for reimbursement.

Manage Repair Costs and Reimbursements

Keeping abreast of repair costs is essential. We should obtain written estimates and ensure the roofing company adheres to them. Detailed receipts for all expenses are a must, as they will be the basis for reimbursement. We should also be aware of our insurance policy regarding deductible amounts and how they affect our settlement. It’s beneficial to maintain ongoing communication with our insurance to track the settlement amount and reimbursement progress.

Step 8: Settle The Claim And Complete Repairs

Finalizing the claim involves submitting all required documentation to our insurance company, including receipts and a final invoice from the roofing contractor. Once the work is verified and all paperwork is in order, the insurance company will issue the settlement.

We must review the final settlement to ensure it covers all the costs before the insurance company closes the claim. After we accept the settlement, we should pay the contractor, ensuring our roof repairs are fully completed to our satisfaction.

Frequently Asked Questions

In this section, we address common concerns and provide clear guidance on navigating the roof insurance claim process.

What should be done after receiving an insurance check for roof repairs?

After receiving an insurance check for roof repairs, here are the key steps to follow:

  1. Do not deposit the check immediately. The first check you receive is often an advance against the total settlement, not the final payment.
  2. Review the amount to ensure it covers the estimated repair costs based on the contractor’s bid. If it’s insufficient, contact your insurance company to discuss the discrepancy.
  3. Hire a reputable roofing contractor to complete the repairs. Ensure they are licensed, insured, and experienced with insurance claims.
  4. Once repairs are completed to your satisfaction, sign a Certificate of Completion provided by your contractor. This document verifies the work is finished and meets your approval.
  5. Submit the Certificate of Completion to your insurance company to receive the final payment, if applicable.

What are the key steps in the insurance claim process for roof damage?

The key steps in the claim process involve filing the claim, meeting with an adjuster to assess the damage, reviewing the insurance company’s estimate, and finalizing the settlement to repair the roof.

How do you determine whether to file an insurance claim for roof damage?

We determine whether to file a claim by evaluating the cost of damages against our deductible. If the cost of repairs significantly exceeds the deductible and the incident is covered under our policy, filing a claim is a viable option.

Consider the following factors when deciding whether to file a roof damage insurance claim:

  1. The extent of the damage and cost of repairs. If the damage is minor and the repair cost is close to or less than your deductible, it may be better to pay out-of-pocket.
  2. The cause of the damage. Ensure the damage is caused by a covered peril in your policy, such as wind, hail, or fire. Damage from wear and tear or lack of maintenance is typically not covered.
  3. Your claims history. Filing multiple claims in a short period can lead to increased premiums or non-renewal of your policy.
  4. The age of your roof. If your roof is nearing the end of its lifespan, your insurance company may only pay the depreciated value rather than the full replacement cost.

What do insurance adjusters typically look for during roof inspections?

During roof inspections, insurance adjusters look for signs of wear and tear, the extent of damage attributable to an insurable event, and any conditions that may indicate poor maintenance or pre-existing issues.