How To Get Insurance To Pay For Roof Decking

How to Get Your Insurance to Pay for Roof Decking

Getting your insurance company to cover roof decking repair or replacement can be a frustrating process. This guide will walk you through the steps to increase your chances of a successful claim. Remember, every insurance policy is different, so always refer to your specific policy documents.

Understanding Your Coverage

Before you even think about filing a claim, thoroughly review your homeowner's insurance policy. Look for sections related to:

• Perils covered: Does your policy cover damage from wind, hail, fire, or other events that may have caused your decking damage? Note specific exclusions.
• Deductible: Understand the amount you'll be responsible for paying out-of-pocket before your insurance kicks in.
• Coverage limits: Check the maximum amount your insurance will pay for roof repairs or replacement.

Identifying the Cause of Damage

The key to a successful claim is proving the damage is covered under your policy. This requires strong documentation:

• Photographs: Take clear, detailed pictures of the damaged roof decking from multiple angles. Show the extent of the damage and any evidence of the cause.
• Video footage: If possible, record video footage of the damage. This provides a more comprehensive view.
• Witness statements: If anyone witnessed the event that caused the damage (e.g., a severe storm), get their contact information and a written statement.
• Contractor estimates: Obtain at least two estimates from qualified roofing contractors detailing the necessary repairs or replacement and the cost. This adds weight to your claim.

Filing Your Insurance Claim

Once you have gathered all necessary documentation, you can file your claim:

• Contact your insurance provider: Report the damage promptly. Note the date and time of the call, and the name of the representative.
• Provide all documentation: Submit all photographs, videos, estimates, and witness statements with your claim.
• Be patient and persistent: The claims process can take time. Be prepared to follow up and answer any questions your insurance adjuster may have.

Dealing with the Insurance Adjuster

The insurance adjuster will likely inspect the damage. Be prepared to answer their questions and provide any additional information they request. If you disagree with their assessment, clearly articulate your concerns and provide supporting evidence.

Negotiating with Your Insurance Company

If your insurance company denies your claim or offers a settlement you believe is too low, you have options:

• Review your policy: Make sure you understand your rights and the terms of your coverage.
• Negotiate: Politely but firmly explain your position and provide additional evidence if necessary.
• Consider mediation: If negotiations fail, consider mediation as a way to resolve the dispute.
• Consult an attorney: In some cases, legal counsel may be necessary to protect your interests.

Preventative Measures

Preventing future roof decking issues can save you money and headaches:

• Regular inspections: Schedule routine inspections of your roof to identify potential problems early.
• Proper maintenance: Address any minor issues promptly to prevent them from escalating into major problems.
• Quality materials: Use high-quality materials during construction or repairs to ensure the longevity of your roof.

By following these steps and meticulously documenting your case, you'll significantly improve your chances of getting your insurance to cover the cost of your roof decking repair or replacement. Remember, thorough preparation is key to a successful claim.