When storm damage strikes, homeowners face the critical question: do I contact insurance first or contact a roofing company? This decision can significantly impact how quickly repairs are completed and whether the insurance claim process goes smoothly. Understanding the proper sequence of steps can save you time, stress, and money.

The Impact of Storm Damage on Your Roof

Storms can wreak havoc on your home, particularly the roof, which is your first line of defense against the elements. Wind, hail, and heavy rain can cause severe damage that requires immediate attention. But after a storm hits, your next move is crucial. Should you reach out to your insurer or a roofing company first?

Contacting Insurance First: Benefits and Drawbacks

Why You Should Contact Insurance First

Most insurance policies require homeowners to report damage as soon as possible after it occurs. Contacting your insurer first allows you to file a claim quickly, ensuring that your coverage kicks in for the necessary repairs. Some of the key benefits of contacting your insurance first include:

• Faster claim approval: By notifying your insurance provider promptly, you initiate the claim process immediately, which can reduce delays in getting your roof repaired.
• Accurate damage assessment: Your insurance adjuster will assess the full extent of the storm damage, including areas that might not be visible to you or a roofer at first glance.
• Claim eligibility: Failure to notify your insurance provider in a timely manner could result in your claim being denied, leaving you to cover the repairs out of pocket.

Drawbacks of Contacting Insurance First

However, contacting your insurance first comes with some drawbacks. For one, the insurance adjuster assigned to your claim works for the insurer, which may not always align with your best interests. The adjuster might undervalue the damage or recommend minimal repairs. This is where public adjuster services can be beneficial. Public adjusters work on behalf of homeowners, ensuring a fair assessment and maximizing the compensation you receive for repairs. Learn more about how public adjusters can help at 411 Claims Help.

Contacting a Roofing Company First: When It Makes Sense

The Case for Calling a Roofer First

On the other hand, contacting a roofing company first can also be advantageous, especially if the damage is extensive and immediate repairs are necessary to prevent further harm. Here’s why:

• Quick response and emergency repairs: A roofer can assess the situation quickly and offer immediate solutions to mitigate further damage. For instance, if the storm has left a gaping hole in your roof, you’ll need temporary fixes like tarping before an insurance adjuster arrives.
• Expert assessment of repair needs: While insurance adjusters are trained to evaluate damage, roofers are specialists in understanding the specifics of roof damage. They can provide a more detailed inspection and offer advice on the best long-term repairs.

Drawbacks of Contacting a Roofing Company First

While there are clear benefits, calling a roofer before your insurer can lead to some complications. For example:

• Risk of out-of-pocket expenses: If you begin repairs before filing a claim, the insurance company might not cover all the costs, especially if they believe the damage wasn’t as severe as initially claimed.
• Potential for claim rejection: Insurance companies prefer to conduct their assessments before any work is done. If a roofer performs substantial repairs before an insurance inspection, you might find yourself in a dispute over coverage.

The Best Approach: Combining Both Steps

So, do I contact insurance first or contact a roofing company? The ideal approach is to contact both in a strategic order:

1. Notify your insurer: Let them know about the storm damage as soon as possible. This step ensures that you are in compliance with your policy terms.
2. Schedule an inspection with a roofer: Once you’ve reported the claim, contact a trusted roofing company for an inspection. Many roofing companies offer free inspections, which can help you understand the extent of the damage before the insurance adjuster arrives.
3. Consider hiring a public adjuster: If the damage is significant or if you suspect your insurer may undervalue the claim, consider hiring a public adjuster. Public adjusters work for you, not the insurance company, to ensure you receive the compensation needed to fully restore your roof. For professional assistance, you can explore public adjuster services.

Working with Your Insurance and Roofing Company: Tips for Success

Here are some tips for working effectively with both your insurance provider and your roofing contractor:

• Document everything: Take photos and videos of the storm damage to your roof and surrounding property. This documentation will be invaluable when filing your claim and during the insurance adjuster’s inspection.
• Get multiple quotes: After the adjuster assesses the damage, obtain estimates from multiple roofing companies. This ensures you receive a fair price for the repairs and allows you to make an informed decision.
• Stay involved in the process: Whether you’re dealing with an insurance adjuster or a roofing contractor, staying informed and asking questions will help ensure that the process runs smoothly. Don’t be afraid to ask for clarification on repairs, costs, or what’s covered by your insurance policy.
• Be cautious of storm chasers: Unfortunately, some unscrupulous roofing companies, known as “storm chasers,” take advantage of homeowners after severe weather events. Be wary of any contractors who show up uninvited and press you to sign contracts immediately.

Why Public Adjusters Can Be Key

If your storm damage is extensive and you’re unsure whether your insurer will provide full coverage, a public adjuster can be an invaluable asset. These professionals offer:

• Independent assessments: Public adjusters provide an unbiased evaluation of your roof’s damage, ensuring that your insurance claim reflects the true cost of repairs.
• Maximized claims: Because public adjusters work for you, they focus on maximizing the payout, covering not only immediate repairs but also hidden or long-term issues caused by storm damage.

To learn more about how public adjusters can assist you in getting the best claim settlement, visit 411 Claims Help.

Conclusion: What Should You Do First After Storm Damage?

When faced with the question, do I contact insurance first or contact a roofing company, the best course of action is a balanced approach. Start by notifying your insurer to meet your policy’s requirements, then schedule an inspection with a reputable roofing company to get a detailed damage assessment. Finally, consider hiring a public adjuster if you want to ensure a fair settlement from your insurer. By following these steps, you can streamline the repair process, protect your home, and avoid common pitfalls during the claims process.