How to File a Roof Insurance Claim with On Top Roofing
With unpredictable weather patterns in Louisville, On Top Roofing can be a customer’s one stop solution to all their roofing needs. While offering a comprehensive range of custom and professional services, On Top Roofing specializes in insurance claims and helping customers get the payments they deserve.
Note from the owner:
“We specialize in storm related losses due to hail or wind damage,” owner Derick Hihn said. “We meet with home owners free of charge to do a roofing inspection. Louisville is hit with multiple storms every year and we offer a free assessment. We coach if they have a storm related loss and if they have an insurance claim or not. We help them work with their insurance company to get them the coverage that’s owed to them. After that, we roof the house.”
While navigating the insurance claim process can be daunting, On Top Roofing has extensive experience guiding home owners through the complexities, providing tailored advice for every job they take on.
To contact On Top Roofing, call 502.727.4484 or visit their website at ontoproofingky.com.
Why Should I File a Roof Insurance Claim?
- Inclement Weather Damage
If your roof has sustained damage from severe weather, such as hail, high winds, or storms, it’s important to assess whether the damage justifies filing a claim. Weather-related damage can weaken your roof over time, potentially leading to more significant issues like leaks and structural problems if not addressed promptly. - Roof in Poor Condition
If your roof is aging or showing signs of wear and tear, filing a claim for storm-related damage can help offset the cost of repairs or a partial replacement. Insurance can extend the life of your roof, helping you avoid the higher expense of a full roof replacement down the line. - Cost Savings
Filing a claim can help you avoid the substantial cost of replacing your roof entirely. Depending on the severity of the damage, insurance may cover repairs or even the cost of a new roof, saving you from out-of-pocket expenses. - Increased Property Value and Marketability
A well-maintained roof not only protects your home but also enhances its curb appeal and market value. If you’re planning to sell, a new or repaired roof can increase your home’s desirability to potential buyers.
Things to Consider When Filing a Claim
- Timing is Critical
- File Promptly: After a storm or significant weather event, it’s essential to file your claim as soon as possible. Insurance companies often have a deadline (typically within one year from the date of damage) for reporting claims. Delaying can affect your ability to receive compensation.
- Document the Damage: Take clear photos of the damage before making any repairs. This documentation is essential in strengthening your claim and ensuring you receive a fair settlement.
- Potential for Partial Roof Replacement
- Repair vs. Full Replacement: Insurance may cover only partial repairs rather than a full roof replacement, depending on the extent of the damage. Work with a qualified roofing contractor who can assess the damage accurately and advocate for you with the insurance adjuster.
- Deductibles and Coverage Limits
- Know Your Deductible: Review your policy to understand your deductible. If the cost of repairs is less than your deductible, it may not be worth filing a claim.
- Understand Coverage Limits: Make sure you know what types of damage are covered under your policy (e.g., hail, wind), and whether there are any exclusions or caps on coverage. This helps set realistic expectations for what your insurance will cover.
- Impact of Multiple Claims
- Claims History: Multiple claims in a short period can impact your premiums over time. While weather-related claims are generally considered “Acts of God” and typically don’t result in immediate premium increases, repeated claims could lead to higher rates. Check with your insurer to understand how multiple claims might affect your policy.
Will My Insurance Rates Go Up?
Filing a claim for weather-related damage, such as hail or wind, is typically considered an “Act of God” by most insurance companies. As a result, these types of claims are often not penalized with higher premiums. However, this can vary based on factors like your insurer, location, and your claims history. It’s a good idea to consult your insurance provider to better understand how filing a claim may impact your rates.