Step 1: Have the Damage Assessed by a Professional

Before taking any action, it’s crucial to have a qualified roofing contractor assess the extent of the damage.

• Why? This step ensures you have a thorough understanding of the repairs needed and prevents any potential issues from being overlooked.
• How? Contact a reputable roofing contractor and schedule an inspection as soon as possible. They will provide you with a detailed report and estimate.

Step 2: Call Your Insurance Company

Once you have a professional assessment, the next step is to inform your insurance company about the damage.

• Why? Promptly notifying your insurance company allows them to start processing your claim, which can expedite repairs.
• How? Call your insurance company’s claims department and provide them with the details of the damage and the assessment report from the roofing contractor. They may send an adjuster to further evaluate the damage.

Step 3: Consult a Public Adjuster Before Signing Anything

Before you sign any agreements or settlements with your insurance company, consult a public adjuster.

• Why? Public adjusters work on your behalf, not the insurance company’s. They can help you get a better settlement on your claim because they understand the intricacies of insurance policies and can negotiate more effectively.
• How? Search for a licensed public adjuster with good reviews and set up a consultation. Provide them with all the documentation and assessments you’ve collected.

By following these steps, you can ensure that your roof is properly repaired and that you receive a fair settlement from your insurance company. Don’t rush into signing anything until you’re fully informed and confident in your decisions. Your home is an important investment, and taking these steps can protect its value.