Insurance Claims Roofing Contractors in Northwest Louisiana
Louisiana sees its fair share of weather events and related damages every year. The roofs on our homes and businesses in North LA regularly endure hail, wind, rain, tornadoes, downed tree limbs and debris, and even the occasional hurricane and tornado.
If you have weather-related roof damage, you’ll need to file a claim with your homeowner’s insurance policy. It can be a complex task, especially if it is your first time filing a claim. This is where knowledgeable and experienced Louisiana insurance claims roofing contractors can help.
The Louisiana roofing pros at Golden Roofing have a stellar reputation for providing outstanding service, honesty, and integrity. Our customers not only get needed roof repairs after a damaging storm, but we also help them navigate the insurance claims process.
When you need help fixing or replacing the roof over your help, be sure to give us a call. As a locally owned and operated company, Golden Roofing proudly serves our friends and neighbors across North Louisiana, East Texas, and West Mississippi.
Louisiana Homeowners Insurance Laws
When you have a damaged roof needing replacement or repair, your best ally is a licensed roofing contractor who is well-versed in roofing insurance claims. A good roofing contractor is one who is familiar with the Louisiana homeowner’s insurance laws and uses their expertise to help clients through the insurance claim process.
When you equip the help of a roofing professional at Golden Roofing, we’ll ensure that further damage to your roof is not a possibility. Immediately covering the damaged roof is a requirement for most insurance policies. Our roofing contractors tarp and secure all the damaged areas. This ensures your roof and home or business’s interior stay protected until necessary repairs can be made, thus protecting your home and checkbook.
This is such a critical step, as insurance companies usually deny secondary damage claims when homeowners don’t take the proper steps to protect their roof from additional damage.
Golden Roofing also helps with filing the paperwork for your roof damage claim. Most homeowners have between 30 to 60 days to file a claim in their state. Filing claims outside the allotted time makes way for a potential claim denial. Let us help with getting your claim filed properly and on time. The earlier you file, the more likely you can get your claim processed sooner. This is especially true when there is a high volume of claims in one area after a storm.
Types of Homeowners Insurance Coverage
There are a lot of components of to consider when filing roofing insurance claims. You must understand your insurance policy and know what your claim covers, what it doesn’t, what your deductible is, and more. Knowledge is power, and you don’t want to be stuck taking the insurance company’s word about what you’ve been paying for with your premiums.
Many people don’t look over their policy details until disaster strikes. However, it’s best to have this knowledge ahead of time. Request a copy of your policy from your insurance if you don’t have one. They should be able to email an electronic copy or mail a paper version to you.
There are two types of coverage in most states: replacement coverage and repair coverage. These are vastly different.
Recoverable depreciation of the roof gets considered in repair policies. This means you’ll only get a percentage of the replacement cost of your roof based on age and material. If your roof is near the end of its service life, you may only get as little as 15%.
Replacement policies cost more, but they’re more common than repair policies. This type of policy provides coverage to return the roof to a brand-new condition if a covered event, such as a storm, occurs.
Louisiana Public Adjuster Laws
A person who readies, completes, or files an insurance claim on behalf of a policyholder seeking damages is what is considered a public adjuster. Public adjusters must be objective when working on a claim for an insured person.
By law, public adjusters may not negotiate claims with insurance companies. They also may not charge a percentage fee based on the claim amount. Finally, public adjusters may not solicit business during a loss-producing event. They must wait until the storm passes completely.
Should I Call a Roofer or Insurance First?
Roof damage after a storm is a significant stressor, and filing an insurance claim can make it even worse. If you’ve never filed a claim before, just knowing where to begin presents an issue in and of itself. Do you call a roofer or your insurance company first?
The answer depends on your situation.
If you believe you have roof damage after a big storm rolls through your area, you may want to call your homeowner’s insurance company first. They’ll gather all the relevant information about when the storm happened and the type of damage you think occurred. The next step is up to your insurance company.
Some companies may advise you to have a local roofing company perform a roof inspection to site any damage before sending out an adjuster. In contrast, others send an adjuster out first to check the damage and determine if you have a claim.
If you call your insurance first, you will have a claim on your record even if they deny it.
If you’re worried about having an unnecessary claim on your record, then call your trusted local roofing company BEFORE your insurance. Golden Roofing sends out a qualified roofing technician who will inspect your roof for all the damaged components, document it, and take photos for proof. We’ll make sure to identify all the damaged areas-not just the shingles. Providing the correct evidence and adequately filing your insurance paperwork is critical to maximizing your compensation.
A local roofing contractor from Golden Roofing will act as your advocate with your insurance provider. Our extensive experience with the claims process and negotiating with insurers greatly benefits our clients. Our success lies in getting increases in the insurance coverage compensation for roof replacements – sometimes as much as double the initial offer!
Signs of Storm Damage
Most homeowner’s and property owner’s insurance policies include coverage for storm-damaged roof work. If you see any signs of damage, it’s important to repair the problem right away before further issues occur. Common signs of damage include:
- Cracked, chipped, or warped shingles
- Missing shingles
- Holes in the roof
- Water spots on the ceiling
- Leaking roof or chimney
- Sagging soffits or fascia
- Damaged roof flashing
We recommend you get in touch with our team as soon as you see signs of damage. We’ll diagnose the problem fast and provide a budget-friendly solution to restore your roof to working order.
How Do Roofing Companies Work with Insurance Companies?
Many homeowners’ instincts tell them to call their insurer first after storm damage or wind damage. However, this isn’t always in the homeowner’s best interest. In fact, it may be best to contact a reputable company first about your potential roof insurance claim. Golden Roofing understands the estimates process and stays in direct contact with your insurer.
The biggest advantage of calling us first is having us handle all the inconvenient stuff, like negotiating with the insurance company and handling the paperwork for you. Another advantage for our customers is the fact that we are roofing experts. Insurance adjusters don’t install roofs every day, and they are not experts in this field. We know what to look for and how to fix it.
Our roof inspection team looks for more than just surface damage. We also look for underlying issues that adjusters often overlook, such as water leaks.
How to Negotiate Roof Replacement with Insurance
After receiving your claim, your insurance company sends out a roof insurance adjuster for an inspection. Be sure to keep your roofer in the loop. They will meet the adjuster at your home to review the roof with them and advocate for repairs to all damaged areas.
Your Louisiana roofer’s involvement often means the difference between getting the amount of coverage needed to provide a new roof for your house and not getting enough coverage to do it correctly. A knowledgeable roofing contractor knows and tells the adjuster about the components needed to install a top-notch roof.
Knowing what type of coverage you have on your policy is also important. If you have Replacement Cost Value coverage (RCV policy), then your repairs or replacement costs are fully covered minus your deductible. On the other hand, your policy only pays the depreciated cost for your roof replacements or repairs minus a deductible if you have Actual Cash Value coverage (ACV).
Roof Supplement Claim
When homeowners select a licensed roofing contractor, they must also ensure that the roofer handles supplemental claims. Supplementing is when additional charges get added to roof insurance claims. There are several reasons this may happen:
- The estimate for the replacement materials was too low.
- A damaged area was overlooked during the adjuster’s inspection.
- Your roofer discovers additional damage during the roof replacement job.
The homeowner and contractor sign off on a Work Change Order for a claim supplement. Typically, your roofer meets the claims adjuster at your home and shows them why a supplement is necessary.
Do You Have to Pay a Deductible for Roof Replacement?
Yes, you must always pay your deductible. You could be committing insurance fraud if you do not!
Your insurance check covers the agreed-upon amount of repair or replacement coverage minus your deductible. Paying the difference to the roofer is the homeowner’s responsibility. Some Louisiana roofing companies offer to waive the deductible to lower their cost and get the job.
However, contractors who do this are also committing insurance fraud, and they may be breaking state law.
How to Get the Most Out of an Insurance Claim
Our customers are guaranteed accuracy when they choose Golden Roofing to assess their roof damage. A qualified roofer finds damage beyond just the shingles, such as to your attic, rafters, gutters, chimney, and other roof components. These are signs of damage that adjusters frequently miss.
When all damaged areas don’t get fixed the first time correctly, the roof begins deteriorating. This means more damage and the likelihood of dealing with more insurance claims in the future. You don’t have to worry about that when you hire Golden Roofing. We’ll make sure the job gets done correctly the first time around.
Golden Roofing is Here For All Your Roofing Needs
Experts in the roofing field, Golden Roofing provides accurate and comprehensive information about your repairs or replacements so you can make informed decisions about your roof repair or roof replacement.
When you suffer damage after a storm and need a contractor to get your roof back in tip-top shape, give Golden Roofing a call. Our dedicated roofing company will complete a free inspection and roof repair estimate. They also help you decide whether filing an insurance claim is appropriate for your unique circumstances.
If you do decide to file a claim, we can take on the headache of dealing with the insurance company and completing all the necessary paperwork and negotiations. We also offer convenient financing options for customers whose repairs aren’t covered by insurance or who can’t afford to pay out-of-pocket.
24/7 Emergency Roof Repair
Everyone knows that emergencies don’t always occur at the most opportune time. We understand the urgency of the situation when it involves the safety and integrity of your roof. Whether disaster hits your home or your commercial roof structure is compromised, Golden Roofing offers 24/7 emergency roof services to stop any further damage and get your roof repaired as quickly and efficiently as possible.
Contact Us Today for a Free Estimate
Golden Roofing, LLC specializes in insurance assistance and affordable roofing solutions. Contact us today to discuss your roofing needs or ask about the roof insurance claims services we provide. We’ll be happy to help. Call us at (318) 355-6300 or fill out the online form to begin.
24/7 Emergency roof repair services to stop leaks fast.