Roof damage can be caused by a number of different factors, from age and regular wear and tear, to environmental causes like ice storms and high winds. To maintain the integrity of your home, it is important that all roof damage be addressed right away as this type of damage can cause further destruction to your home. The team at Smart Way Insurance Agency, serving the Sandy, UT area, offers full-service care and can assist you with the claims-filing process. The claims process for roof damage is fairly straightforward, depending on the cause of the damage.
First Steps to Follow If You Have Roof Damage
Determining if the repair of your roof damage will be covered by your home insurance policy will likely hinge on the cause of the damage. It is important to have documentation or notes describing the current damage and how it happened. The next step is to inform your insurance agent or insurance company of the damage. Working with a full-service insurance agency can make the process a lot easier, as your agent will be there to offer their direction and guidance as you navigate the process.
Your insurance company will then send out an adjuster to inspect your roof and provide an estimate for repair or replacement. You will then need to engage the services of an approved roofing company. Typically, you will receive a portion of the funds upfront to enable the contractor to purchase materials, with the remainder being disbursed upon successful completion of the project.
Are you wondering if your current home insurance policy provides adequate coverage in the event of roof damage? Contact Smart Way Insurance Agency to schedule a policy review; we are proud to serve the insurance needs of our friends and neighbors in the greater Sandy, UT area.