A Guide to Getting Your Roof Damage Insurance Claims Approved

Have you discovered extensive damage to your roof after a big storm or natural disaster? You're likely feeling stressed and have a lot of questions on your mind, especially ones regarding your homeowner’s insurance. Going through the process of getting insurance claims approved to cover your roof repair needs can be exhausting, but there's no reason that you need to navigate the entire process alone.

If you're facing a seemingly lengthy process to file an insurance claim for your roof damage, you deserve to be in the right hands from the get-go. That's where the expert, full-service public adjuster team at TSO Adjustment Service comes in. We've put together this guide to getting your roof damage insurance claims approved in a manner that's simple and stress-free.

How to File for Roof Repairs

Before you file a claim for roofing insurance to take care of your repairs, you'll want to assess the full extent of the damage done to your roof. To do this, you'll need to make your way to the top of your home's roof to get a good look at just how bad the damage is. If you're not feeling confident in doing this yourself, you can always consider hiring a local roofing company to assess your roof's damage instead. 

Once you've assessed your roof's damage, find out what, exactly, your roofing insurance covers and what your rights are going to be with the insurance plan that you opted for. Once that's taken care of, begin documenting your roof damage to the fullest extent possible and contact your insurer to learn the ins and outs of their insurance claim filing process. You may need to let your insurance provider know within a certain amount of time, depending on your policy, that you intend to file a claim to cover your roof repairs.

Common Reasons for Rejection

Roof claims can, unfortunately, be denied by insurance companies for a number of reasons. Not all insurance policies guarantee the same amount of coverage and, in some cases, certain insurance companies may be more flexible than others when it comes to approving insurance claims. Typical reasons for claims being denied include: 



• Wind and hail exclusions
• Failure to identify date of storm
• Previous damage done to old roofs
• Claims filed too late
• Roof manufacturer defects

Before filing your claim, our team highly recommends that you research and fully understand your insurance policy so that you know what grounds are set for repairs and replacements. Not all policies are created equal, so save yourself future headaches and potentially rejected claims by having a complete understanding of what your company's policy covers.

How Public Adjusters Can Maximize Your Claims 

Public insurance adjusters like those at TSO Adjustment Service are experts when it comes to filing and adjusting insurance claims. We have extensive experience helping Philadelphia homeowners like yourself file claims or adjust ones with incorrect amounts offered by insurance companies. When you work with us, we promise to help you, the policyholder, avoid mistakes made due to inexperience while navigating the claims filing process in a timely manner. 

It's crucial that you hire a public adjuster like TSO Adjustment Service if you're thinking of filing a property insurance claim to cover weather damage done to your roof.

Even if you're feeling confident in the dollar value of your loss, we can provide a second opinion on costly situations such as incidents involving roof damage. We pride ourselves on being the public claims adjuster that Philadelphia residents can trust, so book an appointment with us today by calling 215-886-7440 or connect with us on our website.