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Adriana Ferreira

Call Roofer or Insurance First: What Should You Do for Roof Damage?

Updated: Jun 26

If your roof has been damaged, you may find yourself asking, "Should I call a roofer or insurance first?" While it may seem natural to contact your insurance company right away, reaching out to your local roofing company first might be more beneficial. Let's explore why contacting a roofing professional before your insurance company can save you time, stress, and potentially even money.


Understanding the Role of a Roofing Company


How Can a Roofing Company Help Me with Insurance?


Any qualified roofing company will work in your best interest to navigate the insurance claim process and understand its estimated guidelines. They can assist you through the claims process, ensuring that all necessary documentation is provided to support your claim.


When you reach out to a roofer after the damage has occurred, they are able to contact your insurance provider directly to advocate for you and to ensure a smooth experience. Roofing companies are familiar with the language and requirements of insurance policies and can provide detailed reports that insurance companies need for claim approval.


The Expertise of a Roofing Contractor


A roofing contractor can identify all types of damage that might not be immediately visible. This includes issues such as hidden leaks, structural damage, or potential problems that could worsen over time. Insurance adjusters might not always have the specialized knowledge needed to spot these kinds of issues. Therefore, having a roofer inspect your roof first can lead to a more thorough and accurate assessment.



Why You Need a Roofing Contractor After a Storm


Assessing Storm Damage


After a storm, it is always smart to call your local roofer as the best person to fully assess the storm damage that has occurred. A thorough roof inspection by a professional roofer can reveal damage that may be missed by an insurance adjuster.


Professional roofers conduct more detailed examinations of damage compared to insurance adjusters, who may not be as well-versed in roofing issues. By hiring a roofer, they can send the most detailed information to your insurance company for the most accurate appraisal.


Roof damage after a storm in Northern Virginia

Preventing Further Damage


Another critical reason to call a roofer first is to prevent further damage. A roofer can perform emergency repairs to stop leaks or secure parts of your roof that might be loose or vulnerable. This immediate action can prevent additional damage that could complicate the insurance claim process or increase the overall cost of repairs.


Roof covered with tarp to avoid further damage after severe weather

How Do I Know if I Should File an Insurance Claim for My Damaged Roof?


Evaluating the Extent of Damage


The biggest factor to consider when deciding to call your homeowner's insurance company first is that if you call insurance, they will always send an adjuster to inspect the damage. Understanding the claim process can help you make an informed decision about whether to file a claim.


If the damage is minor and under the deductible amount, you may be required to pay out of pocket, which will be considered a claim and can increase your policy premium. Your local roofing company has no obligation to report it to insurance and can help you determine if you even need to make a claim based on the damage done.


Consulting with Your Roofing Contractor


Consulting with a roofer can provide clarity on whether filing an insurance claim is necessary. Roofing contractors can give you an honest assessment of the damage and offer advice on whether the repair costs are likely to exceed your deductible. This can save you from filing unnecessary claims and potentially facing higher premiums.


More on Should I Call a Roofer or Insurance First?


The Process of Filing a Claim


When you decide to file an insurance claim, the process can be daunting. First, you will need to document the damage with photos and detailed descriptions. A roofing company can assist you in gathering the necessary documentation and ensuring that it meets the insurance company's requirements.


Working with Your Insurance Company


After you file a claim, your insurance company will send an adjuster to inspect the damage. Having a roofing contractor present during the inspection can be beneficial. The roofer can point out specific issues and ensure that nothing is overlooked. This collaboration can result in a more accurate claim and potentially higher compensation for repairs.


Benefits of Calling A&M Roofing First


When it comes to roof damage, always call A&M Roofing first! By contacting a professional roofer before your insurance company, you can ensure a thorough assessment of the damage, receive expert advice on the necessity of filing a claim, and potentially avoid higher premiums. A&M Roofing will guide you through the entire process, from inspection to repair, making sure that your roof is restored to its optimal condition with minimal hassle.


Before and after roof installation in Arlington, VA

Conclusion


In summary, when faced with roof damage, your first call should be to a reputable roofing company like A&M Roofing and request a free estimate. Their expertise and experience in dealing with both roofing issues and insurance claims can save you time, money, and stress.


By ensuring a comprehensive assessment and providing detailed documentation, they can help you navigate the insurance claim process more effectively. So, remember, for roof damage, call your roofer first and let them take the lead in restoring your home.


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