Roseville Roofing: Article About Steps To Take After Storm Damage
Storm damage can be anything from a few missing roofing shingles to a complete blow off of a roof. How a homeowner handles the damage from a storm will depend on a number of factors. For example, not all homeowners have an insurance policy that covers roof damage that occurs due to a natural disaster or storm. A homeowner's insurance coverage can vary widely, and understanding the terms and conditions of a policy is something every homeowner should do, long before actually needing the coverage.
Other factors that will play an important role in how a homeowner proceeds after storm damage is the amount of coverage they have as well as the deductible. It's not unusual for homeowners to have high deductibles; common deductibles can range from $1000 to $2,500 or more. When storm damage is less than the actual deductible the homeowner would have to pay, filing an insurance claim won't be necessary. Homeowners can contact a reputable Roseville roofing contractor and repairs will simply be paid out of pocket.
Of course, when storm damage is extensive, the higher cost of repairs or roof replacement are the perfect time to make use of that insurance policy. When a homeowner is going to make a claim for damages, it is important that they follow the right procedures.
The roofing experts at Allstate Roofing of Roseville CA can assist you with any questions regarding storm damage or gutters.
The first thing that needs to be done after a storm is to contact the insurance company and initiate the claim process. The insurance company will send out an adjuster to look at the damages and determine the cost for replacement or repairs.
When the claim agent comes to inspect the roof, it can be helpful for the homeowner to have a reputable roofing contractor by their side. A roofing contractor can help ensure that the insurance representative doesn't miss any hidden damage. They will not be able to influence the final outcome of the claim, but they can make sure that the adjuster is aware of all damages and the required work that will be needed to ensure the roof is replaced or repaired properly.
Once the insurance company has made their evaluation and approved the claim, the homeowner should get their roof fixed as quickly as possible. If a major storm hit the area, there might be contractors coming from other areas to offer their services. It is important for a homeowner to choose a dependable contractor with a solid reputation. Many people have fallen victim to unscrupulous contractors following natural disasters.