Many of you may know, however, I have only recently begun to understand the process involved with insurance claims due to the storms that have inundated the South East since this past February. First of all, let me say it is imperative you have a great relationship with your insurance agent who should be knowledgeable and ready to help along the way. The first step is to assess whether or not it is truly in your best interest to file a claim; meaning do you really have damage to your roof or not. This is where the great relationship comes in because if you do not have a contractor/roofer that you know and trust your agent should be able to give recommendations. The contractor will be able to tell you if there are issues valid enough to proceed with a claim. If there are issues call your insurance company and open a claim. Honestly, I have heard of houses in Canton and Woodstock next door to each other and one has a total roof replacement and the other does not have damage. This in due in part to the direction of the storm; which direction the houses faces; age, condition and maintenance of the roof; and if the roof was sheltered by trees. The insurance company will typically send out an adjuster/inspector to evaluate the damages and determine needed repairs and/or replacement. I strongly recommend coordinating the roofer is present with the adjuster; ensuring everyone is in agreement. Obviously, your settlement will be based on your policy provisions, terms and coverage but another tip I have learned is when repairs are underway and it is determined damage is more extensive than originally thought you have the ability to reopen the claim and obtain a supplement to the settlement. Again, communication is key! Don't wait for a leak, get piece of mind and have a roofer come out to determine if you have damage - it is my understanding that the initial assessment is free!
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