Should I call a roofer or insurance first?
When your roof is damaged—whether by a severe storm, falling tree limbs, or any other unexpected event—it’s natural to feel overwhelmed and uncertain about what steps to take next. One of the most common questions homeowners face in this situation is: Should I call a roofer or my insurance company first? The answer isn’t always straightforward, but understanding the process can help you make the right decision for your situation.
Assessing the Damage: The First Step
Before deciding whom to call, take a moment to assess the damage if it’s safe to do so. Look for visible signs such as missing shingles, leaks, or other forms of damage that might have occurred. Taking photos or videos of the damage can be helpful for both the insurance claim process and the roofing contractor.
Calling Your Insurance Company First
In many cases, calling your insurance company first can be the best course of action, especially if the damage is extensive and likely covered by your homeowner’s insurance policy. Here’s why:
- Understanding Your Coverage: Your insurance company will help you know what is covered under your policy. Not all roof damage may be covered, so it’s important to know your coverage limits, deductibles, and what type of damage qualifies for a claim.
- Claim Process Guidance: The insurance company will guide you through the claims process, which often includes sending an adjuster to assess the damage. The adjuster’s report will be crucial in determining how much the insurance will pay for repairs or replacement.
- Preferred Contractors: Some insurance companies have preferred contractors they work with. These contractors are often vetted by the insurer and may streamline the claims process. Using a preferred contractor can also help ensure that repairs are done to the insurance company’s standards.
- Avoiding Unnecessary Costs: If you call a roofer first and have repairs made before contacting your insurance, you may end up paying out of pocket for work that might not be covered. Insurance companies often require an adjuster’s inspection before authorizing repairs.
When to Call a Roofer First
There are situations where calling a roofer first might be more appropriate:
- Emergency Repairs: If the damage has created an immediate threat to your home, such as a major leak or structural damage, you may need to call a roofer right away to perform emergency repairs. Many roofing companies offer emergency services to temporarily fix the issue and prevent further damage until a full repair can be made.
- Small-Scale Damage: If the damage is minor, such as a few missing shingles, and you’re unsure if it’s worth filing a claim, calling a roofer for an initial inspection can help. They can provide a repair estimate, and you can then decide if the cost justifies filing a claim with your insurance company.
- Expert Opinion: Roofers are experts in identifying damage and can often provide a more thorough assessment than you might initially notice. They can help you understand the extent of the damage and whether it’s likely to be covered by insurance.
A Balanced Approach: Call Both
In some situations, it might be beneficial to call both your insurance company and a roofer. Starting with your insurance company ensures that you’re following the correct process and getting the guidance you need. Simultaneously, contacting a trusted roofer can give you a second opinion on the damage and a clearer picture of what the repair process will entail.
This approach ensures that you’re covered from both ends: your insurance company will guide you through the claims process, while the roofer can provide expert insight and prepare to start repairs as soon as your claim is approved.
Conclusion
Deciding whether to call a roofer or your insurance company first depends on the severity and nature of the damage, as well as your specific insurance policy. In general, contacting your insurance company first is advisable for extensive damage to understand your coverage and initiate the claims process. For minor issues or emergency situations, reaching out to a roofer may be the right move.
Whichever path you choose, the most important thing is to act quickly to protect your home from further damage. Taking immediate action and working with both your insurer and a reputable roofer will help you navigate the process smoothly and ensure your roof is repaired or replaced with minimal stress and hassle.
How to find us:
- Reliable Roofing & Construction LLC
- 5267 Old Highway 11, Suite F, Hattiesburg, MS 39402
- 601-550-6286