When you have experienced damage to your roof, you may need to file a claim with the Comprehensive Loss Underwriting Exchange, which helps maintain the insurance score of homeowners. This score can be important for your future insurance prospects. Your insurer may not handle this claim, but its report will affect your CLUE report.
If your insurance company has denied or minimized your claim, it may be time to hire a roof damage insurance lawyer. This lawyer can explain the process of filing a claim and negotiate with your insurance company. Even if they have made an initial offer that does not meet your expectations, a qualified attorney can review the policy details and fight for maximum compensation.
Once you’ve reviewed the policy terms and conditions, the next step is to collect evidence to support your claim. Once you’ve done this, you can contact your homeowner’s insurance company. Follow any instructions for filing a claim, and cooperate with the insurance company’s investigation. You should also get your own estimate from a licensed contractor to determine whether you need to replace your roof or repair it. You should also consult a qualified professional, such as a roofing contractor or public adjuster.
Your insurance company will want to see proof of the roof damage to determine if it is covered under your policy. You should provide evidence of any damage to your roof, and you should also provide maintenance records. You may also want to consult your building codes. Some obvious roof damage conditions include an uplifted roof membrane or missing or damaged shingles. Another example is a breach in the building envelope that compromises a wall system. hertube