Dealing With Damage: Ten Questions to Consider About Roof Repairs, Insurance, and More!

When storm damage strikes your roof, you can depend on Skyshield to step in. As roofers in the Georgia area, we get questions from homeowners all the time about how to navigate damages, repairs, insurance, and more. As experts in the industry, we’re here to help!

Take a look at some of our answers to the top ten questions we get asked about navigating your roof repair. Then, call or email us to schedule your free inspection!

What signs of damage should I look for after a storm?

Damage varies based on the severity of the storm that caused it. You can look for initial damage by keeping your eyes out for everything from missing shingles or small branches to caved-in places and holes. Once our team steps in, we’ll assess the surface damage as well as work to uncover less noticeable damage in a detailed assessment.

Should I document signs of roof damage?

Absolutely! Insurance companies sometimes request photos or videos. You can typically send photos via email or upload them to your provider’s website or app. However, if documenting your damage puts anyone at risk or in danger, don’t do it!

Who do I call first?

If you suspect storm damage has occurred at your home, start with us! We’ll come out to assess your damage, verify the cause, and help you take the right next steps to file an insurance claim. Of course, you’ll want to contact your insurance company as well.

Will my contractor be present while the insurance adjuster inspects my roof?

Sure! Once the initial inspection is done by your contractor, your insurance company will step in. They’ll want to schedule their own assessment with an adjuster, but your contractor can be present to meet with them as they verify your roof damage.

What will insurance adjusters look for when they’re inspecting my roof?

An adjuster will want to make sure your damage qualifies for roof replacement coverage. So, they’ll assess your roof
for signs of damage related to the storm. Their goal is to discover what kind of damage you’re dealing with and if it’s
covered under your current policy.

How much will my roof replacement or repair cost?

It depends! There are a number of factors to consider when it comes to cost and coverage, including the severity of the damage, the scope of work to be done, and the coverage your insurance provides for the expense. Your roofing contractor will provide an estimate, and your insurance company will confirm what costs are covered.

Can I get more than one estimate for roof repairs?

Of course! You’re more than welcome to get as many estimates as you’d like. However, the work isn’t always worth it. The goal is to make sure your chosen contractor will charge what’s equal to or lesser than the insurance company’s estimate.

How do I know what my insurance policy covers?

The best way to determine what your policy covers is to ask! So, go over the details of your policy with an insurance agent. In fact, don’t wait for damage to get started on this. Knowing what your policy covers in advance helps you be prepared to respond quickly to damage or even adjust your policy as needed.

Will my premiums increase after I file a claim?

Likely, your premium will remain the same after you file a damage claim. While that isn’t a guarantee, storm damage rarely results in a rate increase.

Can I challenge a claim denial? If so, how?

You certainly can! Sometimes, challenging a claim is as simple as contacting your insurance company to re-assess. Other times, it can be more complicated. You may have to hire an attorney to file a claim against your insurance company. Neither option guarantees the result will be changed, but they do give you the chance to appeal when you feel your claim should’ve rightfully been accepted.

Want help walking through any part of the roofing repair process? Call or email our team at Skyshield for a free inspection.