RUSTON ROOFING INSURANCE CLAIMS ASSISTANCE
Insurance Claims Roofing Contractors in Ruston, LA
Top Roofers in Ruston
Our Ruston roofing contractors have been serving the North Louisiana area for over 30 years. We’re Ruston’s top roofing resource for many roofing projects, including chimney repair and gutter installation!
Call a Ruston roofer at Golden Roofing for help with all of your roofing needs.
Ruston Roofing Services
Our Ruston roofing pros provide quality work at a fair price. Whether you need emergency roof repair services or if you’re trying to spruce up your home’s curb appeal, Golden Roofing has the perfect Ruston roofing contractor for you! We guarantee complete customer satisfaction on all of our roofing jobs.
Some of the additional roofing services we provide for homes and commercial properties in Ruston include:
24/7 EMERGENCY ROOF REPAIR SERVICES IN RUSTON. WE STOP LEAKS FAST.
Common Signs of Storm Damage
In Louisiana, most insurance companies include insurance coverage compensation for roof damages caused by storms or other adverse weather events, as long as the roof doesn’t sustain any additional damages after the storm. So, if you see any signs of roof damage, it’s important to repair the issue quickly before further damage occurs.
The most common signs of roof damage include:
- chipped, cracked or warped shingles
- missing shingles
- water spots on the ceiling
- holes in the roof
- leaking roof
- damaged chimney
- sagging soffits or fascia
- damaged roof flashing
Generally, extensive roof damage will be obvious. But, when your roof sustains any amount of damage, big or small, you should ensure that the damaged roof is documented properly. We recommend calling a professional Ruston roofing contractor from Golden Roofing as soon as you see signs of roof damage. We will come to your property and provide a free roof inspection as well as a free roofing estimate. If you’d like, we will even start the insurance claim process on your behalf.
Louisiana Homeowners Insurance Claim Laws
If you have property damage caused by a storm or other naturally occurring event, then your best ally will be an outside contractor, believe it or not. If you find yourself with a storm damaged roof, then the best way to solve the newfound roofing problems is to work with a licensed roofing contractor who is familiar with Louisiana’s homeowners insurance laws.
At Golden Roofing, we use our experience with Louisiana roof insurance claims and insurance adjusters, in general to help our clients through the roof insurance claim process.
When you hire our Ruston roofing contractors, we’ll make sure that your roof doesn’t sustain any further damage. We will send out a roofing pro to tarp your roof and secure all of the damaged areas. This will help protect your home or business’s interior until the necessary roof repairs can take place.
This is such an important step in the roof damage claim process. It’s also a step that many roofing companies don’t feel obligated to take care of. Taking this critical step after the roofing claim protects homeowners from being denied for secondary damage claims.
At Golden Roofing, our Ruston roof repair specialists can also help filing the paperwork for your roof claim. Whether you need generic roof repair or an entire roof replacement, you’ll need to file insurance claims within 30-60 days. Filing roofing insurance claims after these windows may lead to potential roofing claim denial.
Let a professional roofer from Golden Roofing, LLC help you get your roofing insurance claim filed properly and in a timely manner. The earlier you file with your insurance company, the faster your roofing claim should be processed. This is especially important when there is a high volume of insurance claims in a specific area after a big storm.
Roof Repair Coverage vs Roof Replacement Coverage
Before you file an insurance claim, it’s important that you understand your policy details. Knowing what your insurance policy covers is critical to receiving fair compensation for your roof damage.
Most homeowners and business owners don’t think about their insurance policy details until an adverse event, such as having a storm damaged roof, occurs. But, property owners who proactively look into their policy tend to find the insurance claims process a tad less stressful.
You can contact your insurance company and request a copy of your insurance policy, if you don’t already have one. Your insurance company can either mail you a physical copy of your insurance policy, or they can email you an electronic copy.
In Louisiana, there are two major types of insurance coverage, in terms of roof coverage: roof replacement coverage and roof repair coverage.
Roof Repair Coverage Policies
In roof repair insurance policies, the insurance provider considers recoverable depreciation.
This means that you will only get a percentage of the roof replacement cost, based on your roof’s age and roofing materials needed. If your current roof is near the end of its natural service life, then you may only get as little as 15% of the complete replacement cost.
Roof Replacement Coverage Policies
Generally, roof replacement insurance policies will cost more than roof repair policies. Replacement policies are also more common than repair policies in the state of Louisiana.
This type of insurance coverage policy provides the necessary coverage for the entire replacement cost, regardless of your current roof’s age, as long as the cause of the roof damage was a covered event, such as windstorms, hail damage, or tornados.
How to Negotiate a Total Roof Replacement With Your Insurance Company
After your insurance company receives your insurance claim, they will send out an insurance adjuster for a roof inspection.
When you partner with Golden Roofing, LLC., we will send out one of our local roofers to walk alongside the insurance adjuster during their walkthrough. This helps us ensure that the roofing insurance adjuster collects all of the correct evidence and notices all damaged parts of your roofing system, not just the missing shingles.
Having a professional roofer from Golden Roofing before the repair process begins means that your insurance provider will be more willing to cover the cost of having a new roof installed with the same, high quality roofing materials that were previously installed, if that’s what we determine is needed.
During our roof inspections our roofing contractor will inform the insurance adjuster of any missed areas. We will also take the time to explain which roofing components will need to be replaced.
Some insurance companies will look for any and every reason to deny roofing insurance claims. If you don’t have some experience in the roofing industry, then you may not even understand what is being said.
Our Ruston roofers can act as your trusted roof advisor. For the best chance of having your roof fixed or replaced correctly, and having your insurance provider cover the cost, we recommend having a Golden Roofing pro with you prior to filing your insurance claim.
Supplemental Insurance Claims for Roof Repair
Roof repair work spans from replacing shingles to new roof installations. In either case, you should always look for a licensed roofing contractor that handles supplemental insurance claims. It doesn’t happen too often, but from time to time, additional charges must be added to the original insurance claim.
A few reasons why you may need to file a supplemental insurance claim include:
- the roof damage was overlooked during the first roof inspection
- the roof estimate was too low for the required roofing materials needed
- our roofing contractors discover additional roof damage while making necessary roof repairs
If you’re working with the Ruston roofers at Golden Roofing, all you’ll need to do is sign off on a work change order for an insurance claim supplement. Then, one of our professional roofers will meet with the adjuster again to show them why the additional insurance claim is necessary.
Ruston Roof Insurance Claims Assistance FAQs
What Type of Roof Damage Should I Look For?
In North Louisiana, we’re no stranger to frequent storms. So, if you believe your roof has been damaged after a storm, we recommend calling our roofing pros at Golden Roofing for a free roof repair estimate. But, if you’d feel more comfortable checking for the roof damage yourself, you should look for a roof leak inside the interior of your home or business, cracks, missing shingles, dented shingles, cracked shingles, and any signs of chimney damage.
Should I Call a Roofer or My Insurance Company First After Storm Damage?
For many businesses and homeowners, the instinct is to call the insurance company first. But, if you call the insurance company first, then you’ll have a claim on record with them, even if the provider denies your insurance claim. So, it’s always best to call the Ruston roofers at Golden Roofing first.
When you call our professional roofers, we will send out a qualified roofer to provide a free roof inspection of your entire roof system. He or she will document all the findings and photograph the damages to submit with your claim.
How Does Your Roofing Company Work With Insurance Companies?
If it’s your first time filing a homeowners insurance claim, then your instinct is likely to call your insurance provider as soon as you realize your roof is damaged. But, this isn’t normally in your best interest. It’s best to first call a trusted Ruston roofer.
The biggest advantage of calling Golden Roofing first is that our professionals actually understand insurance policies and how they work. We will walk with the adjuster and point out all repair work needed. We advocate for your house.
Another huge advantage is that we are Ruston roofing experts. They aren’t. We repair and install roofs every day, and they don’t. So, we know what to look for and know how to fix it. We understand the total amount of actual cash you’ll need to complete these repairs, and most of the time, they don’t.
Our roofing inspectors look for more than surface damage on the roof system. We also look for underlying problems that adjusters often overlook.
Do I Have to Pay a Deductible for a Minden Roof Repair or Replacement?
When you hire Golden Roofing, LLC., you must always pay your insurance deductible. We are a reputable Ruston roofing company that chooses to conduct our business legally. Your insurance check covers the established cost of repairs or replacement minus your deductible. It is the business owner’s or homeowner’s responsibility to pay the required deductible.
While some Louisiana roofing companies offer to misrepresent the cost associated with the repair work to essentially waive the deductible and get the roofing job, here we do not. Those companies that choose to do so are committing insurance fraud and breaking the law.
Call the Best Ruston Roofing Contractors for a Free Estimate Today
When the integrity of your roof has been compromised, it’s completely normal to feel stress. That’s why our Ruston roofing company offers 24/7 emergency roofing services and free estimates on all of our projects!
Thanks to our outstanding service, we’ve been able to maintain an A+ rating with the Better Business Bureau. We gladly guarantee complete customer satisfaction for any roofing project we take on- big or small.
Contact our professional Ruston roofing contractors today for a free estimate. Call us at 318-355-6300 or fill out our online form to get started!
