How to Work with Your Insurance Company to Get Reimbursed for Roof Installation

a couple smiles on one side of a table with an insurance worker on the other

Your Johnson County Roofing Contractor Has What You Need to Succeed with Your Insurance Company

At some point, every homeowner is in the market for a roof installation, whether because of age, because you want the return on investment that comes with boasting a new roof for potential buyers, or because of an unfortunate accident.

The good news is that there are ways to use your homeowner’s insurance to get coverage for your roof installation. However, as with most things that are insurance-related, it’s not always the easiest task. That’s why we’ve taken the time to offer some suggestions to help get the ball rolling with your insurance company.

As with any of our residential roofing services including roof inspections, installing a new roof, and more, we are committed to making sure the experience is as simple, straightforward, and comfortable as possible. Offering the advice below is just one more way we let you know we’re in this with you, and we want to do all we can to help.

Step 1: Read Your Homeowner’s Insurance Policy Carefully

Check your email, look through your records, or use your online portal to find the policy information for your homeowner’s insurance. The first thing you need to do is determine whether you have coverage for damage to your roof.

Some insurance policies include roof installation or repair coverage, which will take care of a percentage of the repairs. You may even have a replacement clause which – if you can prove your roof can’t be repaired – will allow you to use your insurance to cover the replacement.

It is important to know, as well, that if your roof is over 20 years of age, it is possible that your coverage will be limited. Additionally, if there isn’t damage to the roof from external factors, and it simply has not been maintained properly, or is just generally experiencing wear and tear, you may not be able to claim a replacement.

Step 2: When In Doubt, Call a Human Being at Your Insurance Company – and Talk to Us, Too!

Sometimes what you’re seeing in print isn’t easy to understand, and you may feel that the circumstances surrounding your need for a new roof installation aren’t fully addressed in your policy documents.

We recommend you call your insurance agent to get a clear picture. It’s always a good idea to communicate directly. You may even want to speak with us as well when we come out to perform our free, thorough 21-point roof inspection, as we can supply you with details that will be helpful for your case. We work with insurance companies regularly, so we’re no stranger to having patience, understanding, and knowledge on our side to help you communicate with your insurance company – that’s why we’re here.

Step 3: You Likely Have to Prove Your Roof is Damaged, and that You Need a New Roof Installation

You will likely need to have a roof inspection done, with photos, to be able to demonstrate the extent of the damage to your roof.

Our thorough, free 21-point inspection can cover all of the information you need to send to your insurance company, including photos that are relevant to your claim. We are here to help you get the very best outcome and coverage, which is one of the reasons why we’re considered the leading roofing contractor in Johnson County, Kansas.

Here are the types of roof damage that are typically covered in homeowner’s insurance policies:

  • Wind damage
  • Hail damage
  • Fire damage
  • Lightning strikes
  • Smoke
  • Snow and ice damage
  • Tree branch damage

Keep in mind, as we’ve mentioned above, that lack of maintenance, as well as wear and tear are typically not covered. In states that are prone to specific natural disasters (like tornadoes in Kansas or hurricanes in Florida) other clauses in your policy are used for these repairs. These have specific deductibles, which you should explore, depending on the type of damage and coverage you have.

Step 4: Make Temporary Repairs with an Expert Roof Installation Team

If you’re in need of a new roof, you will want to make sure that temporary repairs have been taken care of while you’re waiting for the results of an insurance claim, especially if your roof’s damage poses a threat to the interior of the home. At Vision Construction, we want to ensure your safety, so we can be there quickly to take care of any residential roofing services you need, from a roof inspection to repairs that can get you through until your new roof is installed.

When it does come time for roof installation, we hope you’ll think of us. Our dedication to excellent service is what makes us a sought-after roofing contractor in Johnson County, and we look forward to working with you.

Step 5: File a Claim and Work with Your Adjuster

Once you’ve had an inspection, understand your coverage options, and made temporary repairs that you may need for the time being, you will file a claim with your insurance company. If you need any assistance with answering questions about your roof, Vision Construction is only a phone call away. We can help you communicate with your insurance company as you navigate this crucial part of the process.

Next, you’ll meet with an adjuster who will look at our inspection report and photos, as well as make their own inspection of your roof. This will determine how much coverage you’ll receive. Keep in mind that the older your roof is, the less your insurance company is likely to cover.

However, with the help of the superior choice among roofing contractors in Johnson County, you can be sure you’ll get excellent roofing services, no matter the outcome.

Step 6: Remember, Maintenance is Important After a Roof Installation

If your home has overgrown tree branches that should have been pruned back, or if it is clear that the home has been suffering neglect, an insurance adjuster is not going to recommend that the insurance company pays for a new roof or repairs.

This is why, after you’ve worked with Vision Construction – the premier roofing contractor in Johnson County – for your insurance claim, you should link up with us regularly for a free 21-point inspection to ensure your roof is getting regular maintenance, year after year.

Vision Construction Has You Covered for Roof Installation and All Your Roofing Needs

Your roof is one of the most valuable parts of your home, and you can protect this investment by working with the experts for residential roofing services, roof inspections, and new roof installations. We’re ready to work with you! Call us at 816-743-4156, or send us a message online.