BOSSIER CITY ROOFING INSURANCE CLAIMS
Insurance Claims Roofing Contractors in Bossier City, LA
Certified Roofing Contractors in Bossier City, LA
Golden Roofing, LLC has been serving North Louisiana for over 30 years. We’re Bossier City’s go-to for all things roofing, shingle, and gutter maintenance. Our locally owned roofing company is proud to serve customers in the surrounding communities of North Louisiana, East Texas and even West Mississippi. Call our professional roofing contractors today at 318-510-9070 for all of your roofing needs.
Quality Roofing Services in Bossier City, LA
Our family-owned roofing company provides high-quality roofing services at a reasonable price. Whether you need emergency roof repair or if you’re just trying to spruce up the outside aesthetic of your home, our roofing company guarantees customer satisfaction with every roofing project we take on.
Take a look at some of the additional services for residential and commercial roofing we provide:
- BOSSIER CITY RESIDENTIAL ROOF INSTALLATION
- BOSSIER CITY ROOF REPAIR
- BOSSIER CITY ROOF MAINTENANCE AGREEMENTS
- BOSSIER CITY COMMERCIAL ROOF INSTALLATION
- 24/7 EMERGENCY ROOFING SERVICES IN BOSSIER
- BOSSIER CITY CHIMNEY MAINTENANCE
- BOSSIER CITY ROOF INSURANCE CLAIMS HELP
24/7 EMERGENCY ROOF REPAIR SERVICES IN BOSSIER CITY. WE STOP LEAKS FAST.
Signs of Storm Damage
Most home or property owner’s insurance policies will include coverage for all work related to a storm damaged roof. Roof repairs must start right away, before further damage is able to occur.
Common signs of roof damage include:
- missing shingles
- cracked, warped, or chipped shingles
- holes in the roof
- sagging soffits or fascia
- water spots on the ceiling
- leaking roof or chimney
- damaged roof flashing
As soon as you see signs of roof damage, we recommend calling a trusted roofing contractor from Golden Roofing. We’ll provide a free roof inspection, followed by a free estimate to get the ball rolling on your insurance claim.
Louisiana Homeowners Insurance Laws
If you need roof repair or roof replacement due to inclement weather, then your best ally is a licensed roofing contractor who is well-versed in the insurance process and willing to work with your insurance company. Working with a professional Bossier City roofing contractor who is familiar with Louisiana’s homeowner’s insurance laws can make the entire roofing project process so much easier!
Most insurance policies require that the roof be covered to prevent further damage.So, when you hire Golden Roofing, a professional roofing contractor will immediately ensure that further damage to your roof isn’t possible by tarping off the area. This helps to protect your home or business’s interior while ensuring that your homeowner’s insurance policy remains intact.
This is a critical step because insurance companies often deny secondary damage claims when home or business owners don’t take the proper steps to ensure their roofs are protected from additional damage.
After extreme weather events, a professional roofing contractor from Golden Roofing will also help you file any necessary paperwork for your roof damage claim. Most home or business owners have anywhere from 30 to 60 days to file a claim with their state when they need a roof repair or replacement. Filing the claim outside of this window opens the door for your insurance company to deny your claim.
Let the roofing professionals at Golden Roofing help you file your claim properly and on time. The earlier you’re able to file the insurance claim for roofing work, the sooner your claim will be processed, especially when there is a high volume of roof damage claims in one area after a damaging storm.
Replacement Coverage vs Repair Coverage
It’s important that business owners and homeowners understand their insurance policies. Knowing what your claim covers and what it doesn’t is key to getting the necessary repairs or roof replacement that is needed for your home or business.
Most people don’t look over their homeowner’s policy details until a disaster strikes. But, it’s best to have this information way ahead of time. You should request a copy of your insurance policy if you don’t already have one. They can email an electronic copy or mail a paper copy to your home or business.
For most home or business owners, there are two types of coverage in Louisiana: repair coverage and replacement coverage.
Repair Coverage Policies
For most roof repair policies, recoverable depreciation of the roof is considered. This means that after storm or wind damage, you’ll only receive a percentage of the replacement cost of your roof, based on your roof’s age and roofing material.
So, if your roof is already near the end of its natural service life, you may get as little as 15% for roof damage.
Replacement Coverage Policies
Roofing replacement policies cost more, but they’re more common than roof repair policies. This type of insurance policy provides the coverage to return the roof to a brand-new condition in any covered event, such as a windstorm or tornado, occurs.
How to Negotiate Roof Replacement with Insurance
After your insurance provider receives your insurance claim, they’ll send out a roof insurance adjuster to inspect your roof for damage. You’ll want to be sure to keep your roofer in the loop. Our roof inspectors will meet your adjuster to your home to review the roof damage and advocate for repairs or replacement, if necessary.
Having the involvement of a top roofing company often means the difference between getting the amount of coverage necessary to provide a new roof for your home or business and not receiving the coverage to do so. A roofing professional with experience understands all that needs to be addressed and educates the adjuster on the necessary components to install a new roof.
If you have replacement cost value coverage, or an RCV policy, then your roof repair or replacement costs are covered, minus the deductible. But, if you have an actual case value coverage policy, or ACV, then your policy will only cover the depreciated cost of your roof replacement or repair, minus your deductible.
Roofing Supplement Claims
When you’re needing roofing services, it’s important that you look for a licensed roofing contractor that also handles supplemental roofing claims. Sometimes, additional, unforeseen charges must be added to roof insurance claims.
There are several reasons why this can happen:
- the damaged area was overlooked during the initial inspection
- the estimate for the replacement roofing materials was too low
- our roofers discover additional damage during the roofing job
When this happens, as the homeowner or business owner, you’ll sign off on a work change order for a claim supplement. Then, one of our roofers will meet with the insurance claims adjuster at your home or business to show them why the supplement is needed.
Bossier City Roofing Insurance Policy FAQs
Should I Call a Roofing Company or Insurance First?
The answer depends on your situation.
Some may want to call a local roofing company to perform a roof inspection before sending out an adjuster. In contrast, some may send an adjuster out first to determine if you have a valid insurance claim. If you call your insurance company first, you will have a claim on record, even if they deny your claim. So, if you aren’t sure whether or not you’ll have a valid insurance claim, you’ll want to call a Bossier roofing contractor before calling your insurance.
When you call Golden Roofing, we’ll send out a qualified roofing contractor who will provide a free inspection for all damaged components. He or she will document what they find and take photos for proof. Our roofing professionals will check for all damaged components, not just the shingles. Unlike many roofing companies, we understand that providing your insurance company with the proper evidence is critical to maximizing your compensation.
Our extensive experience with the insurance process and negotiating with Bossier City insurers is a great benefit to our clients. We have seen great success in getting increases in coverage compensation for roof replacements – sometimes double the initial offer!!!
How Do Roofing Companies Work with Insurance Companies?
For most homeowners, the basic instinct is to call their insurance provider first, after storm damage. But, this isn’t always in the homeowner’s best interest. Oftentimes, it is best to contact a reputable roofing contractor first about a potential roofing insurance claim.
At Golden Roofing, we understand the estimate process, and we’ll stay in direct contract with your insurer.
The biggest advantage of calling a reputable roofing contractor, like Golden Roofing, first is that we’ll handle the inconvenient parts, such as negotiating with the insurance company and handling the paperwork for you. Another advantage is that we’re roofing experts. Insurance adjusters don’t install or repair roofs every day, and we do. We know what to look for and how to fix it. Our roof inspection team looks for all damage, not just surface damage. We also inspect for underlying issues that third party adjust often overlook, such as water leaks.
Do You Have to Pay a Deductible for a Roof Replacement?
You must always pay your deductible. Failing to do so would be committing insurance fraud. The insurance payment covers the amount of repair or replacement coverage, minus your deductible. While some other Louisiana roofing companies waive the deductible to lower their cost and get the job done, Golden Roofing does not. This is still considered insurance fraud, and by waiving the deductible, these companies are breaking state law.
If a company agrees to bad business practices to get a job, do you think they’ll use the best practices when repairing or replacing your roof?
Contact Golden Roofing Today for a Free Roofing Estimate
We understand how urgent a situation is when it involves the integrity of your roof. So, if a disaster hits your business or home’s roof, the roofing professionals at Golden Roofing offer 24/7 emergency roofing services in Bossier City, LA.
At Golden Roofing, we specialize in insurance assistance and offer financing options for roofing projects that aren’t covered by insurance. We’ve maintained an A+ rating with the Better Business Bureau and happily guarantee excellent customer service and an excellent job, whatever the job entails. Contact our roofing pros today to discuss your roofing needs!
Call us at (318) 355-6300 or fill out the online form to begin.