Your roof protects your home from the elements, but when it’s damaged, it could cause leaks, mould or allow animal infestation. If you suspect there might be damage to your roof, call your broker.
How your broker can help
Your broker will ask you a series of questions to learn more about the situation. The broker needs to know the type of roof, how old it is and if you’ve recently had work done to it.
Next, the broker will ask you questions about the damage. What type of damage is it? Is it missing shingles or water damage? The broker will also ask if you know how the damage happened, for example, if it was hit by a tree branch or hail.
Your broker will check your policy to see what type of damage is covered and can put you in touch with the insurance company. Before the repairs start, the insurance company may send out someone to inspect the damage and prepare an estimate for repairs. Your insurance company can also recommend that you work with specific professionals in your area to have the repairs completed.
Make sure the insurance company can inspect the roof before repairs start
Your insurance provider needs to have the opportunity to inspect your roof before it’s fixed. Be wary of repair or restoration companies that offer to fix your roof and bill your insurance company. If you do not follow the regular process, you may have to pay for the repairs yourself.
For more information about repairs and roof damage, contact your broker or read weekly updates on BrokerLink’s blog.