If you have experienced roof damage in Jenks, OK, you want to get the issue taken care of right away but might not understand how to navigate the process of filing a claim. Perhaps you are wondering if this affects insurance rates or if your claim will be covered at all. Follow these three steps before starting the process.
1. Understand What Is Covered
As a general rule, if the damage that occurred was considered an Act of God or an unexpected accident brought about nature, the roof claim is generally covered. If the roof is already deteriorating because of wear and tear that has not been maintained, there's a higher chance of the claim not being paid. If the roof is 20 years old or more, it likely won't be covered at all.
2. Know How Much Damage Occurred
If there is only a little bit of damage, insurance companies may claim this is cosmetic. It does not matter if that small amount of damage leads to more serious problems over time, either, since this is referred to as normal wear and tear. Signs of damage that aren't covered should be taken care of out-of-pocket to avoid longer-lasting problems.
3. Have Documentation Before Calling
Although you might be eager to talk to the company regarding getting your roof fixed or the insurance rates, it's important to have your policy on hand, including information about when the roof had any repairs done on it. Your current policy, any inspection reports that include the roof, and photos or receipts related to the damage are all necessary to have on hand so you can make a strong case for yourself.
When filing a claim for damage to your roof, understand that it affects more than insurance rates. The roof and restoration professionals at Lewis Roofing can help you not only assess the damage but give you tips on how to take care of your roof so that it lasts as long as possible.