In Part 1 of this series, we discussed insurance for roof damage. In this part we'll give you some tips on filing that claim and what to expect afterward. (Click here to read Part 1.) Tips That Should be Followed When Filing an Insurance Claim If you have decided that your roof damage is or may be a valid claim under the terms and conditions in your homeowner's insurance policy, here are a few tips that you should consider following:
- Have a licensed MN roofing contractor who is experienced in storm damage inspect your roof. Most companies will do so at no charge. Then get an estimate for repair.
- Work with a contractor who has experience with property insurance claims when obtaining replacement or repair estimates.
- Take pictures from all angles. Document any and all damage to your home; it is always a good idea to maintain up-to-date photos of your roof even if you think it has no damage.
- Keep copies of all replacement and/or repair estimates as well as bills or any other expenses that is related to the roof damage.
- Gather any and all repair estimates and/or receipts that are related to past repairs and/or maintenance that you have done; this will prove that you have been maintaining your roof as bound by the terms and conditions of your insurance policy. This includes previous inspections.