Residential Roofing in Iowa: Things You Need to Know About the Insurance Process

Residential Roofing in Iowa:

Things You Need to Know About the Insurance Process

We understand that it is unpleasant to find roof damage, whether by storm or old age. And there’s never a convenient time for it. You certainly have a lot of questions and worries, particularly about homeowners insurance.

With years of experience, Henry’s Roofing is here to assist you in navigating roof insurance and the roof insurance claim procedure. If you’ve chosen to work with us, we’ve put together this guide to bring you through what you can expect, step by step.

Inspect for damage immediately

Roof damage is anticipated to occur after a natural disaster. Assessing the condition of your roof as soon as possible should be your first move. You may discover leaks, shingles that have been damaged, or even hail damage to your roof.

What type of visible damage should you look for?

The following are some obvious damage you could find on your roof:

to gutters – A natural calamity or heavy storm might potentially cause damage to your gutters. Heavy rain and hail can weaken your gutters. Wind can also damage your gutters or completely remove them from your roof.

Leaks – Look for any leaks or water damage. Look for water spots in your attic, ceilings, and walls. Peeling, damaged, or bubbling paint or wallpaper on your walls can all be signs of leaks. Your roof may need to be repaired or replaced if you notice any apparent signs of leaks or water damage.

Hail damage – Hail damage is another apparent sign of damage that you should look for. Hail can put a lot of strain on your roof, especially if the hailstones are irregularly shaped or huge. Hail can cause minor flaws in your roof. However, these minor flaws might grow into larger, more costly issues over time.

to shingles – Damage to your shingles or missing shingles is another evidence of obvious damage to look for. Strong winds can blow shingles and other roof coverings off, and you can notice missing singles by looking for gaps in the pattern of your roof or spotting singles on the ground. You should also look for broken, curled, or damaged shingles.

Damage to your roof after a major storm, such as a tornado or hurricane, may demand a complete roof replacement. If you detect any visible damage, you may want to address any potential issues as soon as possible to avoid a future roof claim. If you are looking for a roofing services contractor, look no further. Henry’s Roofing can help you with industry-leading quality service and superior knowledge of the roofing and insurance process.

Contact a roofing contractor to verify the damages

If you see any visible indicators of roof damage, you should have your roof inspected by a competent contractor like us. And even if you don’t see any visible evidence of roof damage, it’s always a good idea to get your roof inspected for a closer look because extreme weather can create underlying damage that only an experienced roofing professional can spot.

It is best to contact us before contacting your insurance company so we can verify the damage with you. This way, you can protect yourself from unwarranted claims on your coverage, which could affect your rates.

Meet with your insurance adjuster

You can schedule a comprehensive property inspection with Henry’s roofing and your insurance adjuster. This procedure guarantees that nothing on your property is ignored and saves you time in the process.

Document everything

Document everything to support your insurance claim. You should also photograph your property before a storm damages your roof. The more documents you can gather, the more proof you’ll have to back up your claim. This will also help your insurance adjuster with their roof examination and speed up the process.

Here are some scenarios in which you might want to photograph or film the roof of your home:

New property – When you buy a new home, one of the first things you may want to do is to document it with photos and videos. You may want to take photos of the roof to preserve how it looked when you bought it. Documenting your new home will allow you to compare it before and after any modifications or damages.

Under construction – When your home is receiving maintenance, you may wish to photograph and video your roof. When your roof is having major renovations or upkeep, such as the installation of a new roof or repairs, take photos of it. After the maintenance is completed, remember to capture images and videos.

Regular documentation – You might also wish to take images and videos of your roof regularly. Documentation helps you track how your roof has changed over time since you bought the house. As a roof matures, it goes through a natural wear and tear process, which you may document by capturing it on a regular basis.

After a natural disaster – After a significant storm, especially one with powerful winds, such as a hurricane, tornado, or severe thunderstorm, you’ll want to take photos of your roof. Heavy winds can create long-term damage that can’t be immediately noticeable.

Remember to save copies of these videos and photographs to avoid losing them. You might save them on a USB device or upload them to a cloud account. The more proof you can gather through paperwork, the better.

Get the estimated cost of repairs

Finally, the projected expenses for your roof repairs are among the important things you should gather for your insurance claim. If you check with Henry’s Roofing, we can provide the estimates for your roof repairs, and any bills or invoices that you will need in filing your claim with your insurance company.

Invoices will assist your home insurance carrier with the appropriate payout for your claim. The more information you provide, the better your chances of receiving the compensation you need to cover your roof repairs or replacement.

Understand and sign repair contracts

Once you’ve got the paperwork from your insurance carrier, contact Henry’s Roofing. We’ll go over all of your claim choices, figure out the best solution, and sign the contract to get started.

And, before you sign a contract, make sure you read it thoroughly and that you understand all of the conditions. If there is anything in the contract that you don’t understand, just let us know and we would gladly explain it to you.

Supplement request for any additional work (if needed)

If more work is required to complete your repairs, Henry’s Roofing will submit a supplement request to your insurance company. This could include city and county permits, code changes, manufacturer standards, or anything else the insurance adjuster could have overlooked. This step only happens when we can be present for the initial inspection with your adjuster, which is rare.

Get your contractor to complete the repairs

Following our agreement, Henry’s Roofing will start and complete all essential repairs and improvements promptly.

Send invoice to your insurance company

Henry’s Roofing will bill your insurance company for the work we’ve done. This enables you to receive the remaining funds from your insurance company. We only bill for work that we’ve completed.

Final check

This final phase entails a comprehensive assessment of the completed work and the receipt of your final payment. But this isn’t the end of it! You can also get an excellent opportunity to take advantage of our “Level Up” Reference Program, which pays you $200 for each referral you make to Henry’s Roofing. You’re in luck if you know anybody that needs roofing services, too!

Get the best roofing services in Iowa

Over the years, the staff at Henry’s Roofing has been assisting residents of Iowa and the surrounding areas with storm damage. We advocate for you to guarantee that your insurance carrier covers all of your roofing needs. If you live in Iowa, please don’t hesitate to call us and we’ll help you the best way we can.

Get a free home evaluation

Ready for a free roof evaluation? Contact our roofing experts or schedule your appointment online today!