Covering You After the Storm

After a severe storm, your roof can endure hidden damage that isn't always visible to the untrained eye. As a homeowner, it’s natural to feel the urge to inspect your roof yourself. However, there are several key reasons why a professional roof inspection is the best route to ensure your home is protected. 1. Unseen Damage Detection Even if your roof looks fine from the ground, there could be underlying issues like small leaks, weakened shingles, or damage to the roof’s structure. Professionals are trained to spot these issues before they turn into bigger, more expensive problems. 2. Accurate Assessment of Storm Damage Storms can cause varying types of damage—from hail dents to wind-lifted shingles. A professional roofing company, like Ark Covering & Restoration, knows exactly what to look for based on the type of storm that hit your area. This ensures a comprehensive assessment and helps you understand the full scope of any damage. 3. Insurance Claim Support Filing an insurance claim for storm damage can be a complex process. A professional inspection provides a detailed report that you can present to your insurance company. This documentation can help speed up the claims process and ensure you get the compensation you deserve. At Ark Covering & Restoration, we assist our clients by providing thorough reports and even working with insurance adjusters to make sure everything is accounted for. 4. Avoid Future Issues By addressing storm damage early on, you can prevent further problems down the road, like leaks, mold, or even structural damage. Small issues can quickly escalate if left unaddressed, but a professional inspection allows for immediate repairs, safeguarding your home and family. 5. Safety First Climbing on your roof after a storm can be dangerous, especially if there is unseen damage that makes the structure unstable. Professional roofers are equipped with the right tools, safety gear, and experience to inspect your roof safely. 6. Preserve Your Warranty Many roofing manufacturers require regular inspections and maintenance to keep your roof's warranty valid. A professional inspection ensures that any necessary repairs are documented and completed according to warranty requirements, protecting your investment in the long term. At Ark Covering & Restoration, we’re committed to covering you after the storm. Our expert team is ready to provide thorough inspections and peace of mind, ensuring that your roof is in top condition to face whatever weather comes next. Don’t wait until minor damage turns into a major repair—schedule your professional roof inspection today! Call us now to book your inspection and let us handle the hard work so you can focus on what matters most: your home and family.

A new roof can be a significant investment, but if your roof has been damaged due to a storm or other covered event, your homeowner’s insurance might cover the cost. Navigating the insurance claim process can be complex, but with the right approach, you can increase your chances of getting the coverage you need. Here’s a step-by-step guide to help you through the process: 1. Assess the Damage Before contacting your insurance company, it’s crucial to evaluate the extent of the damage. Inspect your roof for visible signs of wear and tear, such as missing shingles, leaks, or structural damage. Take detailed photos of the damage to document your findings. This evidence will be valuable when filing your claim and communicating with your insurer. 2. Review Your Insurance Policy Understanding your insurance policy is essential before filing a claim. Review your coverage to determine if roof damage from storms or other perils is included. Pay attention to your policy’s terms, deductibles, and any exclusions that might affect your claim. If you’re unsure about any aspects of your policy, reach out to your insurance agent for clarification. 3. Contact Your Insurance Company Once you’ve assessed the damage and reviewed your policy, contact your insurance company to report the claim. Provide them with detailed information about the damage and submit the photos you took. It’s important to report the claim as soon as possible, as some policies have time limits for filing claims after damage occurs. 4. Schedule an Inspection Your insurance company will likely send an adjuster to inspect the damage and assess the extent of the repairs needed. Be present during the inspection to ensure that the adjuster sees all the damage and that their assessment aligns with your findings. Provide any additional documentation or information that might help support your claim. 5. Get Repair Estimates Obtain estimates from reputable roofing contractors for the cost of repairs or a full roof replacement. These estimates will help you understand the potential costs and provide a basis for your claim. Share these estimates with your insurance company to support your request for coverage. 6. Review the Adjuster’s Report After the adjuster’s inspection, you’ll receive a report detailing their findings and the amount the insurance company is willing to cover. Review this report carefully to ensure it accurately reflects the damage and necessary repairs. If you disagree with the report, you can negotiate with your insurance company or seek a second opinion from an independent adjuster. 7. File a Claim for Payment Submit a formal claim for payment based on the adjuster’s report and the repair estimates you’ve gathered. Ensure that all required documentation is included and that your claim is complete. Follow up with your insurance company to check on the status of your claim and address any questions or concerns they may have. 8. Complete the Repairs Once your claim is approved, you’ll receive funds to cover the cost of repairs or a new roof. Hire a qualified roofing contractor to complete the work and ensure that the repairs meet industry standards. Keep detailed records of all work performed and any payments made for your records and future reference. 9. Follow Up and Appeal if Necessary If you encounter any issues or your claim is denied, don’t hesitate to follow up with your insurance company. You have the right to appeal the decision and provide additional evidence or documentation to support your case. Working with a public adjuster or an attorney specializing in insurance claims can also be helpful if you face significant challenges. Getting insurance to pay for a new roof involves careful planning, documentation, and communication with your insurance company. By following these steps and staying organized throughout the process, you can improve your chances of receiving the coverage you need and getting your home back in top condition.