Repairing a roof will often involve submitting claims to insurance carriers to cover the costs of these repairs. However, it should not be surprising that most homeowners will not have a detailed understanding of this process. As a result, they may not be aware of the fact that a roofing supplement may need to be submitted to the insurance carrier.
Storm Damage Can Cause Wide-Ranging Issues For The Home's Roof
A storm has the potential to cause significant damage to the roof of your home. When an insurance claim is submitted, an adjuster will attempt to fully assess the scope of the damage so that the insurance can properly pay for the damages that are covered by the policy. When it comes to storm damage, it is necessary to assess the roof for wind damage, moisture intrusions, and structural issues. Assessing all of these damages can be an involved process, but it is important for these assessments to be as accurate as possible to ensure the insurance is able to approve an appropriate amount for the expected repair costs.
Roofing Supplements Can Be Necessary To Fully Repair And Restore The Roof
While an insurance adjuster will attempt to be as accurate as possible in their initial assessment of the damage, there is always a chance that they will miss some issues during this assessment or they may simply underestimate the supply and labor that will be needed to complete the necessary repairs. When this situation arises, the contractor may be able to submit a roofing supplement to the insurance carrier. This can advise the insurance of the additional costs so that they can be processed in the claim.
Roofing Supplements Should Always Be Submitted As Soon As Possible
Submitting roofing supplements is a relatively straightforward process. However, it is important to make sure that these supplements are being submitted to the insurance as soon as possible once it is realized that they are needed. These supplements will need to be processed and approved by the insurance. Waiting to submit this supplement can result in the entire project potentially being delayed while the insurance reviews the supplement and decides whether to approve it. For this reason, contractors should be diligent in monitoring whether they will need to submit a supplement so that they can do this as soon as possible. This will substantially reduce the risk of the repairs to the roof being delayed as a result of the insurance's need to review and verify these supplements.
For more information on roofing supplements, contact a contractor in your area.