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Roofer vs. Insurance Company: Who Should I Call First After Storm Damage?

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When a storm ravages your home, leaving a trail of destruction in its wake, the immediate question that often arises is: who should you call first? Is it the roofer or your insurance provider? This dilemma is common among homeowners, as making the right choice can significantly influence the efficiency and outcome of the repair process.

Understanding the Basics of Storm Damage and Assistance

roofer vs. insurance company

The Role of Roofing Professionals

After a storm, a roofing expert’s primary role is to assess the extent of damage your roof has incurred. These professionals are skilled in identifying both obvious and subtle damages that might not be immediately apparent to the untrained eye. Quick and accurate storm damage assessment is crucial, as it lays the groundwork for effective repairs.

The Role of Insurance Companies in Storm Damage

On the other hand, your insurance company plays a pivotal role in determining the coverage of the damage costs. They send out an adjuster to evaluate the damage and estimate the cost of repairs based on your policy’s terms. Understanding the scope of your insurance coverage is essential before embarking on any repair work.

Roofer or Insurance Company: Making the Right Call

Initial Steps After Storm Damage

Before making any calls, ensure your safety and that of your family. Once safe, inspect the damage from a secure point, if possible. Documenting the damage with photos or videos can be beneficial for future reference, both for roofing professionals and insurance claims.

Why Calling a Roofer First Can Be Advantageous

Contacting a roofing expert initially can be a wise move. They can provide a quick, professional assessment and temporary solutions to prevent further damage, like emergency tarping. This immediate response is crucial in mitigating damage and can also support your insurance claim by showing proactive measures to minimize loss.

The Importance of Consulting Your Insurance Provider

After the initial assessment and emergency repairs by a roofer, your next call should be to your insurance company. The sooner you file a claim, the better. Provide them with the roofer’s assessment and your documentation. This early communication helps in streamlining the claim process and ensures you adhere to your policy’s requirements.

Balancing Roofer Expertise and Insurance Policy Compliance

Selecting a Reputable Roofer

When choosing a roofing contractor, opt for a licensed, experienced, and well-reputed professional. A reputable roofer not only assesses and fixes the damage but can also help in accurately documenting the damage for your insurance claim.

Understanding Your Insurance Policy

It’s crucial to have a clear understanding of your insurance policy. Knowing what is covered and the process for filing claims can prevent potential disputes and disappointments. If in doubt, don’t hesitate to ask your insurance agent for clarifications.

Conclusion

roofer vs. insurance company

Deciding whether to call a roofer or your insurance company first after storm damage can be a tricky decision. The most effective approach often involves a combination of both. Initially consulting with a roofing professional can provide a clear picture of the damage, followed by coordinating with your insurance company to ensure the costs are covered according to your policy. This balanced approach can lead to a smoother, more efficient repair process, ultimately restoring the safety and integrity of your home. If you have any questions, contact Perfect Exteriors today for assistance.

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