How Does a Roof Insurance Claim on a Roof Work?

Adjuster inspecting damage

The Process

For those living in richardson, TX and the surrounding areas, roof insurance is important. However, new homeowners may not understand the benefits of roof insurance and the process that goes with making a roof insurance claim. We at JPAUL ROOFING AND CONSTRUCTION are here to help walk you through the process and explain the importance of knowing your roof insurance. If you find yourself needing roof insurance claim help, we offer the service for an affordable price. 

When doing research in preparation for an occasion that you will need to file a roof insurance claim, you need to ask yourself this question when reviewing your roof insurance policy: “What type of roof damage does roof insurance cover?” 

For those that have recently received damage and are not sure about their roof insurance policy, do not panic. Insurance companies primarily allow twelve months to file your claim so you have time to look over your policy and make a decision. Normal roof insurance and homeowners insurance policies cover events that are absolutely out of your control. Things like:

  • Natural disasters
  • Fires
  • vandalism 

While wind, rain and hail are not in your control, always pay special attention to whether either is covered in your insurance policy. Especially in richardson, TX knowing that your roof is protected against severe storms that can be common depending on the season. We suggest you confer with your roof insurance provider to make sure you are prepared on the occasion you need to make a claim.

What do Roof Insurance Adjusters Look for?

Upon making an insurance claim, you will come into contact with an insurance claims adjuster. The job of an insurance claims adjuster is to look over every detail of your roof and the damages that have taken place. JPAUL ROOFING AND CONSTRUCTION recommends having one of our roofers help you in the process so that we can both help you with each detail and provide the claim adjuster with additional proof that you have taken good care of your roof. 

We recommend that at minimum, customers take advantage of our complimentary roof inspection service. When receiving a roof insurance claim, an insurance claim adjuster largely takes into consideration these aspects of your roof:

  • Roof’s age
  • Quality of shingles 
  • State of paint under eaves
  • Roof rot
  • Flashing
  • Lack of granules
  • Interior signs of leaking

These factors often lean the claim adjuster on whether to approve your roof insurance claim or deny it. JPAUL ROOFING AND CONSTRUCTION roofers can help you get your claim approved by having your back when the adjuster arrives to inspect the damages. When homeowners pay even a minimal amount of attention to their roof, we find that to be the best method of preparation in the case that you ever need to file a roof insurance claim.

Insurance Claims for Storm Damage

One of the primary sources for insurance claims in richardson, TX are from storm damages. After repairing many businesses and homes in the area, JPAUL ROOFING AND CONSTRUCTION finds that many such claims can be prevented. We believe that much of our job is education to help customers keep their roof in the best possible condition, here are a few ways to avoid roof damages during a storm so you don’t have to file a roof insurance claim:

  • Trim back branches close to your roof
  • Tie down outside decorations and equipment 
  • Consider stronger roofing materials like asphalt shingles
  • Clean your gutters 

Extensive roof damages can come from standing water, often caused by poor craftsmanship or debris that blocks the drainage system. In fact, strong winds can blow away loose or damaged shingles off your roof and open the resulting layer to leaks. An insurance claim for shingles often results from both and is a common claim to file. 

Insurance Claims for Leaks

As mentioned, the general result of shingle damage on your roof is a leak. Unless your insurance has specific exclusions, roof leaks resulting from shingles damaged by wind or hail are covered. Being experts in roof leak repair, JPAUL ROOFING AND CONSTRUCTION looks for any evidence for what could be or cause a leak. 

Our roofers often look for the smallest indications of damage such as an irregular amount of granules in your drainage, chipped or cracked shingles, loose flashing around your chimney, and any impacted areas from hail or debris. With insurance companies viewing your roof as the access point to greater damages inside your home and business, we take every possibility of a leak seriously. Here are some indications to look for if you suspect a leak:

  • Reflective wet surface on the interior of your roof during storms
  • Bulges in the walls or ceiling 
  • Discoloration in the ceiling 

When left to build up, leaks can result in extensive damages to your home, being a headache for you and your family. Trust an expert roofing company to help when you suspect or see leaks in your home or business and call 469-562-1990 for JPAUL ROOFING AND CONSTRUCTION to help you today. See why customers in richardson, TX and the surrounding areas benefit from our roofing services. 

Roofer repairing a leak

Does Insurance Pay for a New Roof?

Insurance companies will cover roof replacement, but in the case of unavoidable damages and not damages due to long term deterioration. We recommend keeping evidence of inspections and repairs in your personal files for such occasions. When encountering such an event where you are in need of roof insurance claim help and need a roofing company to help you, JPAUL ROOFING AND CONSTRUCTION has your back. Our roofers can help when proving your roof was devastated by uncontrollable events and can help negotiate with the insurance adjuster. If you find yourself in such a situation, call 469-562-1990 now for more information on the services we can provide you today.