How To Negotiate Roof Replacement With Insurance

Even if there are no major issues and it s just time for a roof replacement your roof is your first line of defense against the elements and it s also one of the more costly updates you can make to your home to ensure you are paying the best price for your project follow.

How to negotiate roof replacement with insurance.

Your agent can help you determine how to get your insurance company to pay for your new roof. According to one experienced roofing contractor insurance companies heavily scrutinize claims for roof repair and replacement. If you know a storm has caused substantial damage to your roof and have done the prep work with a contractor your insurance agent can help you file a claim for a roof replacement. Step 2 secure the scene and limit further damage.

If you want to negotiate with a roofer to lower his price first start by getting 3 4 reputable roofing companies to bid the exact same thing. You are entitled to an opportunity to explain why you think your damage should be covered. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. When negotiating the best price with your roofing contractor always ensure that you have at least 3 or 4 respectable roofing contractors bid for the same work.

Five tips to keep in mind if you re negotiating with the insurance company be warry on your first call with the claim s adjuster. Step 1 a windstorm or hailstorm hits your area. Once you ve discussed the merits of the claim they will make a settlement offer. Most homeowners insurance policies won t pay to replace or.

Make sure they all have the same sort of insurance if only one guy has general liability for instance his price is probably going to be higher. The 3 or 4 contractors should always have the same type of insurance because if they do not the one that will have a higher number of insurance coverage will always charge more. With that in mind here s a step by step on how a typical roof insurance claim works.