The Central Coast is no stranger to large, heavy storms. When a storm does strike, your roof often bears the brunt of the damage. Most homeowners’ insurance policies will cover roof damage caused by natural perils such as hail or wind.
However, even if you are entitled to an insurance claim, you need to take all the necessary precautions to make sure you are compensated fairly. Taking the right steps can help ensure the process goes smoothly and you get the coverage you are entitled to.
Here are 5 steps San Luis Obispo homeowners should take before filing a roof damage claim:
1. Assess and Document the Damage
After a severe storm, start by carefully evaluating your roof for visible damage.
This may include:
- Missing Shingles
- Punctures
- Leaks
- Any Visible Damage
If climbing on your roof isn’t safe or feasible, bring in a professional roofing company to perform an inspection. A.M. Sun Solar + Roofing offers free roof inspections, so give us a call and we will perform a thorough lookover of your roof.
Be sure to document the damage thoroughly.
Take photos and videos from multiple angles, and make notes of the storm’s date and any interior damage caused by roof leaks. This evidence is critical to your insurance claim.
2. Understand Your Insurance Policy
Before filing a claim, review your homeowner’s insurance policy to understand what types of damage are covered and the associated deductibles. For many San Luis Obispo homeowners, policies include coverage for storm damage, but limitations may apply.
Contact your insurance agent to clarify your coverage and gather any required documentation.
3. Contact a Trusted Local Roofing Company
Once the damage is confirmed, connect with a reputable roofing company in SLO County. A professional roofer can provide a detailed inspection report and repair estimate, which is often required by insurance companies.
At A.M. Sun Solar + Roofing, we’ve helped San Luis Obispo residents for over 20 years and our experts are ready to provide you with top-notch roofing solutions. Our team can also assist in communicating with your insurance adjuster to ensure your claim reflects the full scope of the damage.
4. File Your Claim Promptly
It is crucial to act fast when you suspect damage has been done to your roof. Most insurance providers require claims to be submitted within a specific period after the damage occurs.
Make sure your claim includes all necessary documents, such as photos, inspection reports, and repair estimates.
5. Work With Your Adjuster to Finalize the Claim
Your insurance company will send an adjuster to verify the damage. Arrange for your roofing contractor to be present during this inspection. Their expertise can help ensure the adjuster accurately assesses the repairs needed for your roof.
You’ll want a trusted partner, like A.M. Sun Solar + Roofing, in your corner to make sure you receive maximum compensation!
Once your claim is approved, you’ll receive funds to begin repairs or replacement.
A Trusted Partner for San Luis Obispo Homeowners
When it comes to protecting your home, trust the roofing experts who have been serving SLO County for over 20 years. At A.M. Sun Solar + Roofing, we specialize in high-quality roofing and solar solutions tailored to the needs of San Luis Obispo residents.
Ready to restore your roof? Contact us today for a free consultation and let our experienced team help you navigate the insurance claims process with confidence. With Us, You’re Always Covered!
More About A.M. Sun Solar + Roofing
A.M. Sun Solar + Roofing is the local leader in custom solar solutions and installations on the Central Coast. For over two decades, A.M. Sun Solar + Roofing has provided high quality, cost efficient solar energy to residences and small businesses in San Luis Obispo, Monterey, Kern, Fresno, and Santa Barbara counties. With a wide variety of financing solutions available, affordable pricing, custom solutions and complete installations from permit to interconnection, A.M. Sun Solar + Roofing is the go-to local solar company on the Central Coast.
Connect with us today at hello@amsunsolar.com, (805) 772-6786, or fill out the form below to get a FREE on-site consultation with one of our friendly solar & roofing experts.