How to Negotiate with Insurance Companies for Roofing Claims
Navigating the insurance claims process can be daunting, especially when dealing with roof damage. At New Era Roofing and Solar, we have years of experience helping homeowners get the most out of their insurance claims. This guide will provide you with an action plan to improve your chances of success when negotiating with insurance companies.
1. Review Your Insurance Policy Thoroughly
Before starting any claims process, it’s crucial to understand your insurance policy. Check whether your policy covers a full roof replacement or just partial repairs. Key terms to look for include:
- Replacement Cost Value (RCV): Covers the full cost of replacing your roof, minus your deductible.
- Actual Cash Value (ACV): Covers the depreciated value of your roof, which may not cover the full replacement cost.
Understanding your policy helps set realistic expectations and prepares you for what the insurance company will pay.
2. Document Everything with Photos and Reports
Accurate documentation is essential. During your initial roof inspection, have your roofing contractor take detailed photos of any damage, including:
- Missing shingles
- Hail damage
- Dents in soft metals like gutters or downspouts
- Damage to windows, siding, or exterior fixtures
These photos, along with a thorough inspection report, serve as strong evidence for your claim.
3. Request a Joint Inspection with Your Roofer and Insurance Adjuster
When it’s time for the insurance adjuster to inspect your roof, ask your roofing contractor to be present. This ensures that all damage is properly identified and discussed. By having your roofer and adjuster inspect together, it reduces discrepancies and speeds up the claim approval process.
4. Don’t Accept the First Offer if it Doesn’t Cover All Costs
Insurance adjusters may sometimes overlook certain damages or offer a lower settlement initially. If you feel the coverage isn’t adequate, don’t hesitate to ask for a detailed breakdown of what was approved and what was not. Work with your roofer to identify any missing items or necessary repairs that weren’t covered, and provide this feedback to the insurance company for reevaluation.
5. Supplement Your Claim to Include All Required Work
After the initial assessment, supplementing your claim is often necessary. A supplement is an additional request for coverage of items initially missed or undervalued in the insurance adjuster’s estimate. This may include:
- Building code upgrades
- Additional materials required
- Dump fees and labor costs
At New Era Roofing, we assist our clients with this process, ensuring that every necessary line item is addressed, which maximizes your claim outcome.
6. Leverage Matching Laws if Repairs Won’t Match Your Existing Roof
If your insurance company only approves partial repairs, you can use matching laws (if applicable in your state) to argue for a full roof replacement. Matching laws require insurance companies to replace the entire roof if the repair materials do not match the existing ones, maintaining a consistent appearance.
7. Be Persistent and Know Your Rights
Insurance negotiations can be challenging, but persistence pays off. If your claim is denied or undervalued, request a re-inspection, involve a third-party adjuster, or even consult a structural engineer if necessary. You have the right to appeal decisions and seek a fair settlement.
“Schedule your free consultation today to start your roof replacement journey. The New Era Roofing and Solar team is ready to assess your damage, provide a quote, and discuss the next steps in your home renovation project.”
At New Era Roofing and Solar, we are committed to helping our customers navigate the insurance process with ease. By understanding your policy, documenting damage, and working closely with your roofer and insurance adjuster, you can increase your chances of a successful claim outcome.
Ready to take the next step? Contact New Era Roofing and Solar today to schedule your free inspection and let us guide you through the claims process with expert advice and support. Call us at (720) 989-6123 or fill out our contact form to get started!
