Should I Call My Insurance Company or the Roofer First?

Facing roof damage is a stressful situation for any homeowner. Whether it's due to severe weather, falling debris, or age-related wear and tear, the question of what to do next can be overwhelming. One of the first decisions you'll need to make is whether to contact your insurance company or a professional roofer. In this blog post, we'll explore the factors to consider when deciding whether to call your insurance company or a professional roofing contractor first, and how to navigate the process efficiently.

Assess the Situation:

The first step is to assess the extent of the damage. Not all roof issues necessitate an insurance claim. Start by looking for visible signs of damage, such as missing shingles, leaks, or visible structural damage. If the damage is minor and can be easily repaired, it may not warrant an insurance claim.

A Professional Roofing Contractor’s Expertise:

Before contacting your insurance company, it's advisable to consult with a professional roofing contractor. Experienced roofers can provide an accurate assessment of the damage, a detailed repair estimate, and guidance on whether a claim is necessary. They can also help document the damage with photographs and provide expert advice on the best course of action.

Insurance Deductible:

Consider your insurance deductible. If the estimated cost of repairs is close to or less than your deductible, it might not be financially practical to file a claim. In such cases, paying for the repairs out of pocket may be the more cost-effective choice.

Filing an Insurance Claim:

If the damage is extensive and you decide to file a claim, here's the typical process:

• Contact Your Insurance Company: Reach out to your insurance provider as soon as possible. They will guide you through the claims process and provide instructions on documentation and appraisal.
  

• Inspection: An insurance adjuster will visit your property to assess the damage and (if you work with Prrotect Roofing), we will be there for the adjuster’s inspection as well. If you choose to use another professional roofing contractor, please know that it is crucial to have your roofer present during this inspection to ensure all damage is properly documented.
  

• Claim Approval: If the claim is approved, your insurance company will provide a settlement, often in the form of a check. The amount will depend on the extent of the damage, your policy, and your deductible.
  
  

Hiring a Reputable Roofer in St. Louis and surrounding areas:

Once the claim is approved, it's time to hire a reputable roofer to perform the necessary repairs. Ensure that the professional roofing contractor you choose is experienced, licensed, and insured. They should be well-versed in working with insurance companies to ensure a smooth process.

The decision of whether to call your insurance company or a professional roofer first depends on the extent of the damage, your deductible, and the advice of an experienced roofer. In many cases, consulting a roofer before contacting your insurance company can streamline the process and help you make an informed decision. 

Keep in mind that a reliable roofer will not only assess the damage but also guide you through the insurance claim process to ensure your home is properly repaired. If you're in the St. Louis and Metro East area, including Chesterfield, St. Charles, O'Fallon, Wildwood, and surrounding cities, Prrotect Roofing is here to assist you in navigating this process and getting your roof back in top condition.