SHREVEPORT ROOFING CLAIMS ASSISTANCE
Roofing Claims Assistance Contractor in Shreveport
Roofing Insurance Claim Assistance in ShreveportFiling a roofing claim is a process with many vital steps. Steps that your Shreveport roof repair company knows well. However, before beginning any repairs or filing your claim, it is crucial that you have your roof inspected by an experienced and qualified roofing contractor who identifies and documents the damage. If you don’t already have a preferred roofer, ask your family and friends for recommendations for someone local. Roofing contractors must be licensed in Louisiana. Be sure the company you choose for the job meets all the requirements set by state and local agencies. Hiring an unlicensed contractor may result in low-quality work that does not meet your insurer’s standards and complicates your claims process. Once you choose a professional for your Shreveport roof repair, they complete an inspection of your roof damage and begin the claims process. Even though it may be tempting to begin repairs immediately to prevent further damage to your home or business’s contents, it could hurt your claim. Golden Roofing ensures that you take the proper steps to cover the damage and keep your family and belongings safe while remaining in line with your insurer’s expectations.
How Our Roofing Contractors Can Assist With Insurance Claims in Shreveport, LAAs a locally owned and operated Shreveport roofing company, Golden Roofing has 30 years of roofing industry experience. Our team of insurance claims specialists knows the insurance claims process and helps our clients navigate the complexities of negotiating and receiving a claim that makes them whole again. Not only do our roofing pros provide Shreveport roofing claims assistance by helping to file your claim, complete the necessary paperwork, and work on negotiations, our team also tarps and secures the damaged areas of the roof. Most insurance companies require that damage be covered immediately. This step is so important that insurance companies often deny secondary damage claims if homeowners fail to prevent further damage. Insurance companies know your roof is a vital component that protects your home, its occupants, and its contents. So they are just as invested in repairing your roof and protecting your home as you.
Roofing InspectionFollowing severe weather events, a roof inspection is a must. An assessment provides peace of mind if your contractor finds no damage and prompts you to file an insurance claim if needed. Most homeowners have 30-60 days to file a claim. Your claim may be denied if it is not filed on time. Golden Roofing offers a free inspection of your roof after a storm or other event. Our roofing experts look for:
- Loose, broken, curled, or cracked shingles
- Signs of potential hail damage such as round indents in the shingles
- Granule loss or a large pile of shingle granules in your gutters or downspouts
- Split seams
- Chimney issues
- Damaged soffits, gutters, and flashing
- Indoor leaks
- Signs of damage inside the attic
Prepare PaperworkClients must familiarize themselves with their homeowner’s policies. Know what your policy covers and whether your damages are a covered expense. Also, know if your policy provides replacement coverage or repair coverage. Repair policies only cover the recoverable depreciation of your roof, which means you’ll receive a percentage of your roof’s replacement cost based on its age and materials. You could get as little as 15% of the replacement cost if your roof is near the end of its useful service life. Replacement policies are more costly than repair policies, but they pay to return a roof to brand-new condition when damaged in a covered event. Before ever filing your roof damage claim, Golden Roofing documents everything. Our Monroe roofers get on the roof, thoroughly inspect it, and take pictures of any issues from multiple angles. We also assess the rest of the home to know the full scope of the damage. The homeowner must provide documentation that the original roof installer was reputable and provided a properly installed quality product. It is also essential to show that you’ve performed routine repairs and preventative maintenance. Check the age of your roof. Your insurance will likely deny a claim for a roof older than your policy covers. A newer roof may be under a warranty that may pay for your damages.
Is It Worth Filing a Claim?You’ll want to determine whether filing a claim is worth it. Claiming damages that are less than the amount of your deductible is not a good idea. The claim may remain on your insurance record for up to three years, and insurance companies rate your risk by the number of claims you make.
Work With Your Insurance CompanyOnce your insurance provider receives your claim, it sends an insurance adjuster to inspect the roof, document and assess the damage, and pinpoint which issues are covered. Golden Roofing sends a roofing pro to meet with the adjuster on site to help point out the damage and determine the value of the work needed to restore the roof. Compare the offer the insurance provides with your free estimate from Golden Roofing. If there is a significant difference, the claim adjuster may have missed something or left something out of their claim estimate. This is where Golden Roofing steps in. We are roofing experts and perform roof installation and repairs every day. Our team looks past the surface to find damage an adjuster may not notice, such as a roof leak. Our Shreveport roofers advocate for repairing or replacing all damaged components. Having a roofing contractor on your side often means the difference between receiving a claim approval or denial and getting the amount you need for a new roof or not getting enough to do the job right.
Roof Repair for Wind or Hail DamageStrong winds and hail often accompany North Louisiana rainstorms. Some materials, such as metal roofs, are more hail-resistant than others. But large hailstones can severely batter a roof and home. However, remember that even the smallest hail can compromise a roof. Over time, compromised shingles may develop leaks that lead to structural damage and mold growth. It is best to have a trained roofing professional inspect your roof for damage. Their trained eyes can spot damage you may overlook. Roofing pros also know the difference between actual and imitation hail damage. Imitation hail damage mimics the effects of hail damage with blistered and cracked tiles from UV exposure, shingle installation scuffs, worn-out shingles, and debris and wind defacement. The roof isn’t the only component damaged by hail. Our inspectors may also find damage on:
- AC units
- Window frames
Roof Replacement ClaimsWhether your insurance policy pays for roof replacements depends on what caused the damage and your coverage. As previously mentioned, the two kinds of roof coverage are Replacement Cost Value (RCV) coverage and Actual Cash Value coverage (ACV). Regardless of the kind of coverage you have, most policies only pay for sudden and unavoidable events and acts of nature. Your policy likely covers the roof damage caused by a falling tree or hail. On the other hand, damage from neglect, wear-and-tear, or animal activity is typically not covered.
Roofing Services FAQ
Can a Roofer Cover the Cost of My Insurance Deductible?Roofers sometimes offer to absorb or not charge you a deductible. They cannot do this – you must always pay your deductible. Your insurance cuts a check for the agreed-upon cost of your roof repairs or replacement. This amount excludes the amount of the homeowner’s deductible. A homeowner must pay this amount even if the roofing company offers to lower the job cost by waiving the deductible.
What Happens If the Insurance Company Denies My Roof Claim?Contact the professional roofers at Golden Roofing for Monroe roofing claims assistance if you believe your roof has functional damage, and your insurance company denies your claim. We will inspect your roof for damage usually covered by homeowner’s insurance. If we find any damage, we may suggest you contact your insurer for another inspection.
Licensed Monroe Roofing ContractorsKeep your patience during the insurance claims process. You don’t want to accept a low offer for your needed roof repairs or replacement and end up footing part of the bill. The team at Golden Roofing negotiates back-and-forth with your homeowner’s insurance company to get the amount you need and deserve to restore your roof. When disaster strikes, call Golden Roofing for help. Our Shreveport roofers provide affordable roofing solutions and excel at assisting clients with insurance claims. Reach out to us at (318) 355-6300 or call our Shreveport location at 318-355-6300 for help with your roof damage or more information about Monroe roofing claims assistance.
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