Roofing Insurance Claims
What is Covered!
You pay your insurance company your hard earned money to protect what is most likely your most expensive asset, your Louisiana home, from major damage like hail and wind storms. If you have your LA home insured don't be afraid to make a claim. The homeowners act of God law protects you from being singled out by your insurance company for a rate increase or cancellation. The one thing you do want to be sure of when you make your insurance claim, be sure to have a professional roofing company represent you with your insurance company.
We Can Help!
One of the first things you should do after a hail or wind storm is make a note of the date to give to your insurance agent. I always advise against a homeowner climbing on their on roof to inspect for hail and wind damage, most modern homes are very steep and just not safe for the average homeowner. Always call a professional Louisiana roofing contractor with insurance hail and wind damage experience. If you contact an experienced roofing company, they will inspect your roof and take pictures to bring down and show you whether you do or do not have hail damage. If you have looked at your roof from the ground and do not see hail damage don't let this fool you, hail damage would have to be extreme to be scene from the ground. On the other hand, wind damage can be much easier to spot from the ground but you still might not see all wind damage.
I would caution all LA homeowners not to be naive, your insurance company is not your best friend and they do not have your best interest at heart. I will prove my point. The insurance industry has some of the most sophisticated hail and wind storm swatch patch information in the nation. If the insurance company was the homeowner's friend, they would immediately send letters and post cards to all homeowners in Louisiana that were affected by the hail storm. My guess is none of the homeowners in this area got any such notice from their friendly agent or insurance company. Am I correct on this one? One more thing that proves my point, insurance companies put a very short time limit on making an insurance claim after a hail storm, usually 60 days to 6 months. One reason they do this is in hopes that the homeowners never get expert hail damage advice and they can get past the time limit and deny all claims for time delay.
I will run you very quickly through the best procedure for a hail damage insurance claim. If you have a hail or wind storm in LA or surrounding area, call a hail damage roof repair expert, have them inspect your roof and give you a report on any damage. If the roofing company tells you that you have hail and wind damage, file a claim with your insurance agent. Once your claim has been filed, they will send out an adjuster to inspect your home's roof. Make sure your Louisiana roofing contractor is present for this meeting or you might get a quick denial on your roof repairs. Once you have gone through the adjusting process and your roof replacement has been approved, let the roofing contracting company handle the rest of the insurance claim for you. I would also ask you, the homeowner, to be fair to the roofing contractor that goes to all the trouble to meet your adjuster, give them your roofing job or switch roofing contractors before the adjusters meeting. This is a lot of effort on their part to not get the job.