How Long Does A Roof Claim Take

Homeowners filing claims are often confused by the forms inspections and dealing with insurance agents.

How long does a roof claim take.

Homeowners insurance may or may not cover roof leaks depending on what caused the roof leak. Because your roof was only 5 years old when the hail storm hit the actual cash value would be 7 500. Does homeowners insurance cover roof leaks. This is partnering with adjusters you trust as well as an experienced and trustworthy roofing contractor is essential not only for your property but for your home or business.

How long will it take to process my claim. If you need a new roof or just repairs on the old one there are important things you need to know before starting. If your roof was damaged by hail then take pictures of the biggest hailstones you can find on the ground after the storm using a tape measure or a golf ball to give the. Insurance claims for roofs can be easy or difficult.

Depending on the magnitude of the storm it can take from one day to two weeks to get an inspection meeting with your roofer and insurance adjuster. Once the claim is settled it can take 30 to 60 days to receive the claim check although some states have laws that regulate the check must be received within 30 days of settlement. After a hurricane or catastrophic hail storm it may take up to two months. Generally there is not a stead fast rule as to how long your homeowners insurance claim will take because it depends on the amount of damage the extensive nature of the repairs whether you are in a natural disaster situation with thousands of other claims or if you are just dealing with the wind blowing off a few shingles.

Talk to the claims manager do not hesitate to contact the claims manager to explain your. Wind is probably the biggest adversary of your roof but there are other enemies including electrical fires falling limbs heavy snowfall moisture intrusions and damage caused by pests such as squirrels which can scratch their way into your attic and take up residence. Let s also assume your 5 year old roof was average asphalt roofing shingles which lasts about 20 years. Once it has been determined that your roof does indeed warrant replacement an insurance claim is filed.

They would generally pay for damage from rain coming through a hole in the roof or a broken window as long as the hole was caused by strong winds or any other covered exposure listed in the policy. Take pictures of all the damage and take as many pictures as possible. It s important to document everything when dealing with a roof insurance claim. Your roof is the front line of attack against the elements.

Generally this period is five to seven years but in some cases even calling to ask a question about a claim could result in an entry being made on the database that tracks claims.